LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,294
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,014
−HK$1,747/mo
Today · 4.125%
HK$58,761
baseline
▲ 0.50% · 4.625%
HK$62,337
+HK$3,576/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,522/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,514
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,164
−HK$1,673/mo
Today · 4.125%
HK$64,837
baseline
▲ 0.50% · 4.625%
HK$68,255
+HK$3,418/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,674/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,353
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,416
−HK$2,097/mo
Today · 4.125%
HK$70,513
baseline
▲ 0.50% · 4.625%
HK$74,804
+HK$4,291/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$1,030,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,817
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,796
−HK$2,009/mo
Today · 4.125%
HK$77,805
baseline
▲ 0.50% · 4.625%
HK$81,906
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,610/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,411
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,819
−HK$2,447/mo
Today · 4.125%
HK$82,266
baseline
▲ 0.50% · 4.625%
HK$87,271
+HK$5,005/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,532/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,119
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,429
−HK$2,343/mo
Today · 4.125%
HK$90,772
baseline
▲ 0.50% · 4.625%
HK$95,557
+HK$4,785/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,544/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,529
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$102,625
−HK$3,145/mo
Today · 4.125%
HK$105,770
baseline
▲ 0.50% · 4.625%
HK$112,206
+HK$6,436/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,540/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,725
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,694
−HK$3,013/mo
Today · 4.125%
HK$116,707
baseline
▲ 0.50% · 4.625%
HK$122,859
+HK$6,152/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,414/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,580 · Scale 2, in force from 26 Feb 2026)