LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,284
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,004
−HK$1,747/mo
Today · 4.125%
HK$58,751
baseline
▲ 0.50% · 4.625%
HK$62,326
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,502/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,503
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,153
−HK$1,673/mo
Today · 4.125%
HK$64,826
baseline
▲ 0.50% · 4.625%
HK$68,243
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,652/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,341
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,405
−HK$2,096/mo
Today · 4.125%
HK$70,501
baseline
▲ 0.50% · 4.625%
HK$74,791
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,002/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,804
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,783
−HK$2,008/mo
Today · 4.125%
HK$77,791
baseline
▲ 0.50% · 4.625%
HK$81,892
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,582/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,398
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,806
−HK$2,446/mo
Today · 4.125%
HK$82,252
baseline
▲ 0.50% · 4.625%
HK$87,257
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,504/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,105
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,414
−HK$2,343/mo
Today · 4.125%
HK$90,757
baseline
▲ 0.50% · 4.625%
HK$95,541
+HK$4,784/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,514/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,512
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,607
−HK$3,145/mo
Today · 4.125%
HK$105,752
baseline
▲ 0.50% · 4.625%
HK$112,187
+HK$6,435/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,504/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,706
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,675
−HK$3,012/mo
Today · 4.125%
HK$116,687
baseline
▲ 0.50% · 4.625%
HK$122,838
+HK$6,151/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,374/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,030,405 · Scale 2, in force from 26 Feb 2026)