LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,786
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,490
−HK$1,731/mo
Today · 4.125%
HK$58,221
baseline
▲ 0.50% · 4.625%
HK$61,764
+HK$3,543/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,442/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,948
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,583
−HK$1,658/mo
Today · 4.125%
HK$64,241
baseline
▲ 0.50% · 4.625%
HK$67,627
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,482/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,743
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,788
−HK$2,077/mo
Today · 4.125%
HK$69,865
baseline
▲ 0.50% · 4.625%
HK$74,116
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,730/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,138
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,100
−HK$1,989/mo
Today · 4.125%
HK$77,089
baseline
▲ 0.50% · 4.625%
HK$81,153
+HK$4,064/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,178/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,700
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,086
−HK$2,423/mo
Today · 4.125%
HK$81,509
baseline
▲ 0.50% · 4.625%
HK$86,469
+HK$4,960/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,018/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,328
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,616
−HK$2,322/mo
Today · 4.125%
HK$89,938
baseline
▲ 0.50% · 4.625%
HK$94,678
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,876/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,614
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,681
−HK$3,117/mo
Today · 4.125%
HK$104,798
baseline
▲ 0.50% · 4.625%
HK$111,175
+HK$6,377/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,596/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,707
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,649
−HK$2,985/mo
Today · 4.125%
HK$115,634
baseline
▲ 0.50% · 4.625%
HK$121,729
+HK$6,095/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,268/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,107 · Scale 2, in force from 26 Feb 2026)