LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,279
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,998
−HK$1,747/mo
Today · 4.125%
HK$58,745
baseline
▲ 0.50% · 4.625%
HK$62,320
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,490/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,497
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,146
−HK$1,674/mo
Today · 4.125%
HK$64,820
baseline
▲ 0.50% · 4.625%
HK$68,236
+HK$3,416/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,640/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,335
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,398
−HK$2,096/mo
Today · 4.125%
HK$70,494
baseline
▲ 0.50% · 4.625%
HK$74,784
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$140,988/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,797
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,776
−HK$2,007/mo
Today · 4.125%
HK$77,783
baseline
▲ 0.50% · 4.625%
HK$81,884
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,566/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,390
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,798
−HK$2,445/mo
Today · 4.125%
HK$82,243
baseline
▲ 0.50% · 4.625%
HK$87,248
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,486/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,096
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,405
−HK$2,342/mo
Today · 4.125%
HK$90,747
baseline
▲ 0.50% · 4.625%
HK$95,531
+HK$4,784/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,494/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,502
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$102,597
−HK$3,144/mo
Today · 4.125%
HK$105,741
baseline
▲ 0.50% · 4.625%
HK$112,176
+HK$6,435/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,482/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,695
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$113,664
−HK$3,011/mo
Today · 4.125%
HK$116,675
baseline
▲ 0.50% · 4.625%
HK$122,825
+HK$6,150/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,350/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,300 · Scale 2, in force from 26 Feb 2026)