LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,783
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,487
−HK$1,731/mo
Today · 4.125%
HK$58,218
baseline
▲ 0.50% · 4.625%
HK$61,760
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,436/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,945
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,580
−HK$1,658/mo
Today · 4.125%
HK$64,238
baseline
▲ 0.50% · 4.625%
HK$67,624
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,476/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,739
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,784
−HK$2,078/mo
Today · 4.125%
HK$69,862
baseline
▲ 0.50% · 4.625%
HK$74,112
+HK$4,250/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,724/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,134
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,096
−HK$1,989/mo
Today · 4.125%
HK$77,085
baseline
▲ 0.50% · 4.625%
HK$81,149
+HK$4,064/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,170/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,696
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,081
−HK$2,424/mo
Today · 4.125%
HK$81,505
baseline
▲ 0.50% · 4.625%
HK$86,465
+HK$4,960/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,010/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,323
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,611
−HK$2,322/mo
Today · 4.125%
HK$89,933
baseline
▲ 0.50% · 4.625%
HK$94,673
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,866/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,609
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,676
−HK$3,116/mo
Today · 4.125%
HK$104,792
baseline
▲ 0.50% · 4.625%
HK$111,169
+HK$6,377/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,584/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,701
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,643
−HK$2,985/mo
Today · 4.125%
HK$115,628
baseline
▲ 0.50% · 4.625%
HK$121,723
+HK$6,095/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,256/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,053 · Scale 2, in force from 26 Feb 2026)