LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,760
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,464
−HK$1,730/mo
Today · 4.125%
HK$58,194
baseline
▲ 0.50% · 4.625%
HK$61,735
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,388/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,920
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,554
−HK$1,658/mo
Today · 4.125%
HK$64,212
baseline
▲ 0.50% · 4.625%
HK$67,596
+HK$3,384/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,424/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,712
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,756
−HK$2,077/mo
Today · 4.125%
HK$69,833
baseline
▲ 0.50% · 4.625%
HK$74,082
+HK$4,249/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,666/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,104
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,065
−HK$1,989/mo
Today · 4.125%
HK$77,054
baseline
▲ 0.50% · 4.625%
HK$81,116
+HK$4,062/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,108/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,664
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,049
−HK$2,423/mo
Today · 4.125%
HK$81,472
baseline
▲ 0.50% · 4.625%
HK$86,429
+HK$4,957/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,944/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,288
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,576
−HK$2,320/mo
Today · 4.125%
HK$89,896
baseline
▲ 0.50% · 4.625%
HK$94,635
+HK$4,739/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,792/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,569
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,635
−HK$3,115/mo
Today · 4.125%
HK$104,750
baseline
▲ 0.50% · 4.625%
HK$111,123
+HK$6,373/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,500/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,657
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,598
−HK$2,983/mo
Today · 4.125%
HK$115,581
baseline
▲ 0.50% · 4.625%
HK$121,673
+HK$6,092/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,162/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,638 · Scale 2, in force from 26 Feb 2026)