LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,295
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,015
−HK$1,747/mo
Today · 4.125%
HK$58,762
baseline
▲ 0.50% · 4.625%
HK$62,338
+HK$3,576/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$117,524/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,515
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,165
−HK$1,673/mo
Today · 4.125%
HK$64,838
baseline
▲ 0.50% · 4.625%
HK$68,256
+HK$3,418/mo
Deposit HK$12.12M · loan HK$12.12M · min. income ≈ HK$129,676/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,354
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,418
−HK$2,097/mo
Today · 4.125%
HK$70,515
baseline
▲ 0.50% · 4.625%
HK$74,805
+HK$4,290/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,030/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,818
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,797
−HK$2,009/mo
Today · 4.125%
HK$77,806
baseline
▲ 0.50% · 4.625%
HK$81,907
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,612/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,413
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,820
−HK$2,447/mo
Today · 4.125%
HK$82,267
baseline
▲ 0.50% · 4.625%
HK$87,273
+HK$5,006/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$164,534/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,121
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,430
−HK$2,343/mo
Today · 4.125%
HK$90,773
baseline
▲ 0.50% · 4.625%
HK$95,558
+HK$4,785/mo
Deposit HK$7.27M · loan HK$16.97M · min. income ≈ HK$181,546/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,530
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,626
−HK$3,146/mo
Today · 4.125%
HK$105,772
baseline
▲ 0.50% · 4.625%
HK$112,208
+HK$6,436/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$211,544/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,727
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$113,696
−HK$3,013/mo
Today · 4.125%
HK$116,709
baseline
▲ 0.50% · 4.625%
HK$122,861
+HK$6,152/mo
Deposit HK$2.42M · loan HK$21.82M · min. income ≈ HK$233,418/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,596 · Scale 2, in force from 26 Feb 2026)