LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,275
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,995
−HK$1,746/mo
Today · 4.125%
HK$58,741
baseline
▲ 0.50% · 4.625%
HK$62,316
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,482/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,493
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,142
−HK$1,673/mo
Today · 4.125%
HK$64,815
baseline
▲ 0.50% · 4.625%
HK$68,232
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,630/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,330
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,393
−HK$2,097/mo
Today · 4.125%
HK$70,490
baseline
▲ 0.50% · 4.625%
HK$74,779
+HK$4,289/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$140,980/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,792
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,771
−HK$2,007/mo
Today · 4.125%
HK$77,778
baseline
▲ 0.50% · 4.625%
HK$81,878
+HK$4,100/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$155,556/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,385
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,792
−HK$2,446/mo
Today · 4.125%
HK$82,238
baseline
▲ 0.50% · 4.625%
HK$87,242
+HK$5,004/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,476/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,090
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,399
−HK$2,343/mo
Today · 4.125%
HK$90,742
baseline
▲ 0.50% · 4.625%
HK$95,525
+HK$4,783/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,484/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,495
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,590
−HK$3,145/mo
Today · 4.125%
HK$105,735
baseline
▲ 0.50% · 4.625%
HK$112,168
+HK$6,433/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,470/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,688
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,656
−HK$3,012/mo
Today · 4.125%
HK$116,668
baseline
▲ 0.50% · 4.625%
HK$122,817
+HK$6,149/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,336/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,233 · Scale 2, in force from 26 Feb 2026)