LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,305
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,025
−HK$1,748/mo
Today · 4.125%
HK$58,773
baseline
▲ 0.50% · 4.625%
HK$62,349
+HK$3,576/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,546/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,526
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,176
−HK$1,674/mo
Today · 4.125%
HK$64,850
baseline
▲ 0.50% · 4.625%
HK$68,269
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,700/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,366
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,430
−HK$2,098/mo
Today · 4.125%
HK$70,528
baseline
▲ 0.50% · 4.625%
HK$74,819
+HK$4,291/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,056/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,831
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,812
−HK$2,008/mo
Today · 4.125%
HK$77,820
baseline
▲ 0.50% · 4.625%
HK$81,922
+HK$4,102/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,640/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,427
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,835
−HK$2,447/mo
Today · 4.125%
HK$82,282
baseline
▲ 0.50% · 4.625%
HK$87,289
+HK$5,007/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,564/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,137
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,447
−HK$2,343/mo
Today · 4.125%
HK$90,790
baseline
▲ 0.50% · 4.625%
HK$95,576
+HK$4,786/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,580/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,549
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$102,645
−HK$3,146/mo
Today · 4.125%
HK$105,791
baseline
▲ 0.50% · 4.625%
HK$112,229
+HK$6,438/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,582/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,747
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,717
−HK$3,013/mo
Today · 4.125%
HK$116,730
baseline
▲ 0.50% · 4.625%
HK$122,883
+HK$6,153/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,460/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,788 · Scale 2, in force from 26 Feb 2026)