LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,780
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,484
−HK$1,732/mo
Today · 4.125%
HK$58,216
baseline
▲ 0.50% · 4.625%
HK$61,758
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,432/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,943
−HK$3,292/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$1,021,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,737
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,781
−HK$2,078/mo
Today · 4.125%
HK$69,859
baseline
▲ 0.50% · 4.625%
HK$74,109
+HK$4,250/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,718/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,131
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,093
−HK$1,989/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$1,021,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,693
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,078
−HK$2,424/mo
Today · 4.125%
HK$81,502
baseline
▲ 0.50% · 4.625%
HK$86,461
+HK$4,959/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,004/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,320
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,608
−HK$2,321/mo
Today · 4.125%
HK$89,929
baseline
▲ 0.50% · 4.625%
HK$94,670
+HK$4,741/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$1,021,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,605
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,672
−HK$3,116/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$1,021,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,697
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,639
−HK$2,984/mo
Today · 4.125%
HK$115,623
baseline
▲ 0.50% · 4.625%
HK$121,718
+HK$6,095/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$1,021,012 · Scale 2, in force from 26 Feb 2026)