LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,262
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,981
−HK$1,746/mo
Today · 4.125%
HK$58,727
baseline
▲ 0.50% · 4.625%
HK$62,301
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,454/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,478
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,127
−HK$1,673/mo
Today · 4.125%
HK$64,800
baseline
▲ 0.50% · 4.625%
HK$68,216
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,600/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,029,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,314
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,377
−HK$2,096/mo
Today · 4.125%
HK$70,473
baseline
▲ 0.50% · 4.625%
HK$74,761
+HK$4,288/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,946/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,774
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,753
−HK$2,007/mo
Today · 4.125%
HK$77,760
baseline
▲ 0.50% · 4.625%
HK$81,859
+HK$4,099/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,520/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,367
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,773
−HK$2,445/mo
Today · 4.125%
HK$82,218
baseline
▲ 0.50% · 4.625%
HK$87,221
+HK$5,003/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,436/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,070
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,378
−HK$2,342/mo
Today · 4.125%
HK$90,720
baseline
▲ 0.50% · 4.625%
HK$95,502
+HK$4,782/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,440/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,472
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,566
−HK$3,143/mo
Today · 4.125%
HK$105,709
baseline
▲ 0.50% · 4.625%
HK$112,141
+HK$6,432/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,418/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,661
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,629
−HK$3,011/mo
Today · 4.125%
HK$116,640
baseline
▲ 0.50% · 4.625%
HK$122,788
+HK$6,148/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,280/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,987 · Scale 2, in force from 26 Feb 2026)