LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,273
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,993
−HK$1,746/mo
Today · 4.125%
HK$58,739
baseline
▲ 0.50% · 4.625%
HK$62,314
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,478/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,491
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,140
−HK$1,673/mo
Today · 4.125%
HK$64,813
baseline
▲ 0.50% · 4.625%
HK$68,230
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,626/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,328
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,391
−HK$2,096/mo
Today · 4.125%
HK$70,487
baseline
▲ 0.50% · 4.625%
HK$74,776
+HK$4,289/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$140,974/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,789
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,768
−HK$2,008/mo
Today · 4.125%
HK$77,776
baseline
▲ 0.50% · 4.625%
HK$81,875
+HK$4,099/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$155,552/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,383
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,790
−HK$2,445/mo
Today · 4.125%
HK$82,235
baseline
▲ 0.50% · 4.625%
HK$87,239
+HK$5,004/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,470/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,087
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,396
−HK$2,342/mo
Today · 4.125%
HK$90,738
baseline
▲ 0.50% · 4.625%
HK$95,521
+HK$4,783/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,476/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,492
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,587
−HK$3,144/mo
Today · 4.125%
HK$105,731
baseline
▲ 0.50% · 4.625%
HK$112,164
+HK$6,433/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,462/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,684
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,652
−HK$3,012/mo
Today · 4.125%
HK$116,664
baseline
▲ 0.50% · 4.625%
HK$122,813
+HK$6,149/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,328/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,199 · Scale 2, in force from 26 Feb 2026)