LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,260
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,979
−HK$1,746/mo
Today · 4.125%
HK$58,725
baseline
▲ 0.50% · 4.625%
HK$62,299
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,450/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,476
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,125
−HK$1,673/mo
Today · 4.125%
HK$64,798
baseline
▲ 0.50% · 4.625%
HK$68,213
+HK$3,415/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,596/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,312
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,375
−HK$2,095/mo
Today · 4.125%
HK$70,470
baseline
▲ 0.50% · 4.625%
HK$74,758
+HK$4,288/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,940/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,771
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,750
−HK$2,007/mo
Today · 4.125%
HK$77,757
baseline
▲ 0.50% · 4.625%
HK$81,856
+HK$4,099/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,514/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,364
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,770
−HK$2,445/mo
Today · 4.125%
HK$82,215
baseline
▲ 0.50% · 4.625%
HK$87,218
+HK$5,003/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,430/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,067
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,375
−HK$2,342/mo
Today · 4.125%
HK$90,717
baseline
▲ 0.50% · 4.625%
HK$95,498
+HK$4,781/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,434/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,468
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,562
−HK$3,144/mo
Today · 4.125%
HK$105,706
baseline
▲ 0.50% · 4.625%
HK$112,137
+HK$6,431/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,412/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,657
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,625
−HK$3,011/mo
Today · 4.125%
HK$116,636
baseline
▲ 0.50% · 4.625%
HK$122,784
+HK$6,148/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,272/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,951 · Scale 2, in force from 26 Feb 2026)