LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,268
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,987
−HK$1,746/mo
Today · 4.125%
HK$58,733
baseline
▲ 0.50% · 4.625%
HK$62,307
+HK$3,574/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,466/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,485
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,134
−HK$1,672/mo
Today · 4.125%
HK$64,806
baseline
▲ 0.50% · 4.625%
HK$68,222
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,612/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,321
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,384
−HK$2,096/mo
Today · 4.125%
HK$70,480
baseline
▲ 0.50% · 4.625%
HK$74,769
+HK$4,289/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,960/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,782
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,760
−HK$2,008/mo
Today · 4.125%
HK$77,768
baseline
▲ 0.50% · 4.625%
HK$81,867
+HK$4,099/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,536/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,375
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,781
−HK$2,446/mo
Today · 4.125%
HK$82,227
baseline
▲ 0.50% · 4.625%
HK$87,230
+HK$5,003/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,454/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,078
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,387
−HK$2,342/mo
Today · 4.125%
HK$90,729
baseline
▲ 0.50% · 4.625%
HK$95,511
+HK$4,782/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,458/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,482
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,576
−HK$3,144/mo
Today · 4.125%
HK$105,720
baseline
▲ 0.50% · 4.625%
HK$112,153
+HK$6,433/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,440/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,672
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,640
−HK$3,012/mo
Today · 4.125%
HK$116,652
baseline
▲ 0.50% · 4.625%
HK$122,800
+HK$6,148/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,304/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,091 · Scale 2, in force from 26 Feb 2026)