LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,258
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,977
−HK$1,746/mo
Today · 4.125%
HK$58,723
baseline
▲ 0.50% · 4.625%
HK$62,296
+HK$3,573/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,446/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,474
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,123
−HK$1,672/mo
Today · 4.125%
HK$64,795
baseline
▲ 0.50% · 4.625%
HK$68,211
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,590/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,310
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,372
−HK$2,096/mo
Today · 4.125%
HK$70,468
baseline
▲ 0.50% · 4.625%
HK$74,756
+HK$4,288/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,936/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,769
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,747
−HK$2,007/mo
Today · 4.125%
HK$77,754
baseline
▲ 0.50% · 4.625%
HK$81,853
+HK$4,099/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,508/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,361
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,768
−HK$2,444/mo
Today · 4.125%
HK$82,212
baseline
▲ 0.50% · 4.625%
HK$87,215
+HK$5,003/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,424/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,064
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,372
−HK$2,341/mo
Today · 4.125%
HK$90,713
baseline
▲ 0.50% · 4.625%
HK$95,495
+HK$4,782/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,426/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,464
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,558
−HK$3,144/mo
Today · 4.125%
HK$105,702
baseline
▲ 0.50% · 4.625%
HK$112,133
+HK$6,431/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,404/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,653
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,621
−HK$3,010/mo
Today · 4.125%
HK$116,631
baseline
▲ 0.50% · 4.625%
HK$122,779
+HK$6,148/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,262/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,913 · Scale 2, in force from 26 Feb 2026)