LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,283
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,003
−HK$1,747/mo
Today · 4.125%
HK$58,750
baseline
▲ 0.50% · 4.625%
HK$62,325
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,500/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,502
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,151
−HK$1,674/mo
Today · 4.125%
HK$64,825
baseline
▲ 0.50% · 4.625%
HK$68,242
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,650/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,340
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,403
−HK$2,097/mo
Today · 4.125%
HK$70,500
baseline
▲ 0.50% · 4.625%
HK$74,790
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,000/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,802
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,782
−HK$2,008/mo
Today · 4.125%
HK$77,790
baseline
▲ 0.50% · 4.625%
HK$81,890
+HK$4,100/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,580/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,396
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,804
−HK$2,446/mo
Today · 4.125%
HK$82,250
baseline
▲ 0.50% · 4.625%
HK$87,255
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,500/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,103
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,412
−HK$2,343/mo
Today · 4.125%
HK$90,755
baseline
▲ 0.50% · 4.625%
HK$95,538
+HK$4,783/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,510/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,510
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,605
−HK$3,145/mo
Today · 4.125%
HK$105,750
baseline
▲ 0.50% · 4.625%
HK$112,184
+HK$6,434/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,500/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,704
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,673
−HK$3,012/mo
Today · 4.125%
HK$116,685
baseline
▲ 0.50% · 4.625%
HK$122,835
+HK$6,150/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,370/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,382 · Scale 2, in force from 26 Feb 2026)