LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,258
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,977
−HK$1,747/mo
Today · 4.125%
HK$58,724
baseline
▲ 0.50% · 4.625%
HK$62,297
+HK$3,573/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,448/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,474
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,123
−HK$1,673/mo
Today · 4.125%
HK$64,796
baseline
▲ 0.50% · 4.625%
HK$68,211
+HK$3,415/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,592/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,310
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,373
−HK$2,095/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$1,029,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,769
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,748
−HK$2,007/mo
Today · 4.125%
HK$77,755
baseline
▲ 0.50% · 4.625%
HK$81,853
+HK$4,098/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,510/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,362
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,768
−HK$2,445/mo
Today · 4.125%
HK$82,213
baseline
▲ 0.50% · 4.625%
HK$87,215
+HK$5,002/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,426/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,064
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,372
−HK$2,342/mo
Today · 4.125%
HK$90,714
baseline
▲ 0.50% · 4.625%
HK$95,495
+HK$4,781/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,428/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,465
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,559
−HK$3,143/mo
Today · 4.125%
HK$105,702
baseline
▲ 0.50% · 4.625%
HK$112,134
+HK$6,432/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$1,029,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,654
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,621
−HK$3,011/mo
Today · 4.125%
HK$116,632
baseline
▲ 0.50% · 4.625%
HK$122,780
+HK$6,148/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,264/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,919 · Scale 2, in force from 26 Feb 2026)