LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,768
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,472
−HK$1,731/mo
Today · 4.125%
HK$58,203
baseline
▲ 0.50% · 4.625%
HK$61,744
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,406/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,929
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,563
−HK$1,658/mo
Today · 4.125%
HK$64,221
baseline
▲ 0.50% · 4.625%
HK$67,606
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,442/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,722
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,766
−HK$2,077/mo
Today · 4.125%
HK$69,843
baseline
▲ 0.50% · 4.625%
HK$74,093
+HK$4,250/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,686/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,115
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,076
−HK$1,989/mo
Today · 4.125%
HK$77,065
baseline
▲ 0.50% · 4.625%
HK$81,127
+HK$4,062/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,130/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,676
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,061
−HK$2,423/mo
Today · 4.125%
HK$81,484
baseline
▲ 0.50% · 4.625%
HK$86,442
+HK$4,958/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$162,968/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,301
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,589
−HK$2,320/mo
Today · 4.125%
HK$89,909
baseline
▲ 0.50% · 4.625%
HK$94,649
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$179,818/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,583
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,649
−HK$3,116/mo
Today · 4.125%
HK$104,765
baseline
▲ 0.50% · 4.625%
HK$111,140
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,530/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,673
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,614
−HK$2,984/mo
Today · 4.125%
HK$115,598
baseline
▲ 0.50% · 4.625%
HK$121,691
+HK$6,093/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,196/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,786 · Scale 2, in force from 26 Feb 2026)