LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,276
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,995
−HK$1,747/mo
Today · 4.125%
HK$58,742
baseline
▲ 0.50% · 4.625%
HK$62,317
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,484/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,494
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,143
−HK$1,673/mo
Today · 4.125%
HK$64,816
baseline
▲ 0.50% · 4.625%
HK$68,233
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,632/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,331
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,394
−HK$2,097/mo
Today · 4.125%
HK$70,491
baseline
▲ 0.50% · 4.625%
HK$74,780
+HK$4,289/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$140,982/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,793
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,772
−HK$2,008/mo
Today · 4.125%
HK$77,780
baseline
▲ 0.50% · 4.625%
HK$81,879
+HK$4,099/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$155,560/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,386
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,794
−HK$2,445/mo
Today · 4.125%
HK$82,239
baseline
▲ 0.50% · 4.625%
HK$87,243
+HK$5,004/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,478/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,092
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,400
−HK$2,343/mo
Today · 4.125%
HK$90,743
baseline
▲ 0.50% · 4.625%
HK$95,526
+HK$4,783/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,486/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,497
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,592
−HK$3,144/mo
Today · 4.125%
HK$105,736
baseline
▲ 0.50% · 4.625%
HK$112,170
+HK$6,434/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,472/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,689
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,658
−HK$3,011/mo
Today · 4.125%
HK$116,669
baseline
▲ 0.50% · 4.625%
HK$122,819
+HK$6,150/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,338/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,248 · Scale 2, in force from 26 Feb 2026)