LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,780
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,484
−HK$1,731/mo
Today · 4.125%
HK$58,215
baseline
▲ 0.50% · 4.625%
HK$61,758
+HK$3,543/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,430/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,942
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,577
−HK$1,658/mo
Today · 4.125%
HK$64,235
baseline
▲ 0.50% · 4.625%
HK$67,621
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,470/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,736
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,781
−HK$2,077/mo
Today · 4.125%
HK$69,858
baseline
▲ 0.50% · 4.625%
HK$74,109
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,716/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,131
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,092
−HK$1,990/mo
Today · 4.125%
HK$77,082
baseline
▲ 0.50% · 4.625%
HK$81,145
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,164/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,692
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,078
−HK$2,423/mo
Today · 4.125%
HK$81,501
baseline
▲ 0.50% · 4.625%
HK$86,461
+HK$4,960/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,002/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,319
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,607
−HK$2,322/mo
Today · 4.125%
HK$89,929
baseline
▲ 0.50% · 4.625%
HK$94,669
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,858/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,604
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,671
−HK$3,117/mo
Today · 4.125%
HK$104,788
baseline
▲ 0.50% · 4.625%
HK$111,164
+HK$6,376/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,576/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,696
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,638
−HK$2,985/mo
Today · 4.125%
HK$115,623
baseline
▲ 0.50% · 4.625%
HK$121,717
+HK$6,094/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,246/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,006 · Scale 2, in force from 26 Feb 2026)