LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,754
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,457
−HK$1,730/mo
Today · 4.125%
HK$58,187
baseline
▲ 0.50% · 4.625%
HK$61,728
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,374/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,913
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,546
−HK$1,658/mo
Today · 4.125%
HK$64,204
baseline
▲ 0.50% · 4.625%
HK$67,588
+HK$3,384/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,408/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,704
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,748
−HK$2,076/mo
Today · 4.125%
HK$69,824
baseline
▲ 0.50% · 4.625%
HK$74,073
+HK$4,249/mo
Deposit HK$9.60M · loan HK$14.41M · min. income ≈ HK$139,648/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,095
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,056
−HK$1,988/mo
Today · 4.125%
HK$77,044
baseline
▲ 0.50% · 4.625%
HK$81,106
+HK$4,062/mo
Deposit HK$9.60M · loan HK$14.41M · min. income ≈ HK$154,088/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,655
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,039
−HK$2,423/mo
Today · 4.125%
HK$81,462
baseline
▲ 0.50% · 4.625%
HK$86,419
+HK$4,957/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,924/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,278
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,565
−HK$2,320/mo
Today · 4.125%
HK$89,885
baseline
▲ 0.50% · 4.625%
HK$94,623
+HK$4,738/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,770/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,556
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,622
−HK$3,115/mo
Today · 4.125%
HK$104,737
baseline
▲ 0.50% · 4.625%
HK$111,110
+HK$6,373/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,474/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,643
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,584
−HK$2,983/mo
Today · 4.125%
HK$115,567
baseline
▲ 0.50% · 4.625%
HK$121,658
+HK$6,091/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,134/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,511 · Scale 2, in force from 26 Feb 2026)