LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,293
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,013
−HK$1,748/mo
Today · 4.125%
HK$58,761
baseline
▲ 0.50% · 4.625%
HK$62,336
+HK$3,575/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,522/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,513
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,163
−HK$1,674/mo
Today · 4.125%
HK$64,837
baseline
▲ 0.50% · 4.625%
HK$68,254
+HK$3,417/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,674/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,030,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,352
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,416
−HK$2,097/mo
Today · 4.125%
HK$70,513
baseline
▲ 0.50% · 4.625%
HK$74,803
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,026/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,816
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,796
−HK$2,008/mo
Today · 4.125%
HK$77,804
baseline
▲ 0.50% · 4.625%
HK$81,905
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,608/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,411
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,818
−HK$2,447/mo
Today · 4.125%
HK$82,265
baseline
▲ 0.50% · 4.625%
HK$87,270
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,530/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,118
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,428
−HK$2,343/mo
Today · 4.125%
HK$90,771
baseline
▲ 0.50% · 4.625%
HK$95,556
+HK$4,785/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,542/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,528
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,624
−HK$3,145/mo
Today · 4.125%
HK$105,769
baseline
▲ 0.50% · 4.625%
HK$112,205
+HK$6,436/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,538/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,724
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,693
−HK$3,013/mo
Today · 4.125%
HK$116,706
baseline
▲ 0.50% · 4.625%
HK$122,857
+HK$6,151/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,412/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,570 · Scale 2, in force from 26 Feb 2026)