LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,277
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,996
−HK$1,747/mo
Today · 4.125%
HK$58,743
baseline
▲ 0.50% · 4.625%
HK$62,318
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,486/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,495
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,144
−HK$1,674/mo
Today · 4.125%
HK$64,818
baseline
▲ 0.50% · 4.625%
HK$68,234
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,636/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,332
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,396
−HK$2,096/mo
Today · 4.125%
HK$70,492
baseline
▲ 0.50% · 4.625%
HK$74,781
+HK$4,289/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$140,984/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,794
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,773
−HK$2,008/mo
Today · 4.125%
HK$77,781
baseline
▲ 0.50% · 4.625%
HK$81,881
+HK$4,100/mo
Deposit HK$9.70M · loan HK$14.54M · min. income ≈ HK$155,562/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,388
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,795
−HK$2,446/mo
Today · 4.125%
HK$82,241
baseline
▲ 0.50% · 4.625%
HK$87,245
+HK$5,004/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,482/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,093
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,402
−HK$2,343/mo
Today · 4.125%
HK$90,745
baseline
▲ 0.50% · 4.625%
HK$95,528
+HK$4,783/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,490/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,499
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,594
−HK$3,144/mo
Today · 4.125%
HK$105,738
baseline
▲ 0.50% · 4.625%
HK$112,172
+HK$6,434/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,476/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,691
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,660
−HK$3,012/mo
Today · 4.125%
HK$116,672
baseline
▲ 0.50% · 4.625%
HK$122,821
+HK$6,149/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,344/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,268 · Scale 2, in force from 26 Feb 2026)