LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,289
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,008
−HK$1,748/mo
Today · 4.125%
HK$58,756
baseline
▲ 0.50% · 4.625%
HK$62,331
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,512/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,508
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,158
−HK$1,673/mo
Today · 4.125%
HK$64,831
baseline
▲ 0.50% · 4.625%
HK$68,248
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,662/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,346
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,410
−HK$2,097/mo
Today · 4.125%
HK$70,507
baseline
▲ 0.50% · 4.625%
HK$74,797
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,014/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,810
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,789
−HK$2,008/mo
Today · 4.125%
HK$77,797
baseline
▲ 0.50% · 4.625%
HK$81,898
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,594/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,404
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,812
−HK$2,446/mo
Today · 4.125%
HK$82,258
baseline
▲ 0.50% · 4.625%
HK$87,263
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,516/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,111
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,421
−HK$2,343/mo
Today · 4.125%
HK$90,764
baseline
▲ 0.50% · 4.625%
HK$95,548
+HK$4,784/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,528/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,519
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,615
−HK$3,145/mo
Today · 4.125%
HK$105,760
baseline
▲ 0.50% · 4.625%
HK$112,195
+HK$6,435/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,520/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,714
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,684
−HK$3,012/mo
Today · 4.125%
HK$116,696
baseline
▲ 0.50% · 4.625%
HK$122,847
+HK$6,151/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,392/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,483 · Scale 2, in force from 26 Feb 2026)