LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,259
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,978
−HK$1,746/mo
Today · 4.125%
HK$58,724
baseline
▲ 0.50% · 4.625%
HK$62,298
+HK$3,574/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$1,029,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,475
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,124
−HK$1,672/mo
Today · 4.125%
HK$64,796
baseline
▲ 0.50% · 4.625%
HK$68,212
+HK$3,416/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$1,029,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,311
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,374
−HK$2,095/mo
Today · 4.125%
HK$70,469
baseline
▲ 0.50% · 4.625%
HK$74,757
+HK$4,288/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,938/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,770
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,749
−HK$2,007/mo
Today · 4.125%
HK$77,756
baseline
▲ 0.50% · 4.625%
HK$81,854
+HK$4,098/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,512/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,363
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,769
−HK$2,445/mo
Today · 4.125%
HK$82,214
baseline
▲ 0.50% · 4.625%
HK$87,217
+HK$5,003/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,428/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,065
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,373
−HK$2,342/mo
Today · 4.125%
HK$90,715
baseline
▲ 0.50% · 4.625%
HK$95,497
+HK$4,782/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,430/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,466
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,560
−HK$3,144/mo
Today · 4.125%
HK$105,704
baseline
▲ 0.50% · 4.625%
HK$112,136
+HK$6,432/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,408/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,655
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,623
−HK$3,011/mo
Today · 4.125%
HK$116,634
baseline
▲ 0.50% · 4.625%
HK$122,782
+HK$6,148/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,268/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,933 · Scale 2, in force from 26 Feb 2026)