LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,289
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,009
−HK$1,747/mo
Today · 4.125%
HK$58,756
baseline
▲ 0.50% · 4.625%
HK$62,332
+HK$3,576/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$1,030,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,509
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,158
−HK$1,674/mo
Today · 4.125%
HK$64,832
baseline
▲ 0.50% · 4.625%
HK$68,249
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,664/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,347
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,411
−HK$2,097/mo
Today · 4.125%
HK$70,508
baseline
▲ 0.50% · 4.625%
HK$74,798
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,016/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,811
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$75,790
−HK$2,008/mo
Today · 4.125%
HK$77,798
baseline
▲ 0.50% · 4.625%
HK$81,899
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,596/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,405
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,813
−HK$2,446/mo
Today · 4.125%
HK$82,259
baseline
▲ 0.50% · 4.625%
HK$87,264
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,518/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,112
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,422
−HK$2,343/mo
Today · 4.125%
HK$90,765
baseline
▲ 0.50% · 4.625%
HK$95,549
+HK$4,784/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,530/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,030,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,521
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,616
−HK$3,146/mo
Today · 4.125%
HK$105,762
baseline
▲ 0.50% · 4.625%
HK$112,197
+HK$6,435/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,524/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,716
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,685
−HK$3,012/mo
Today · 4.125%
HK$116,697
baseline
▲ 0.50% · 4.625%
HK$122,849
+HK$6,152/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,394/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,496 · Scale 2, in force from 26 Feb 2026)