LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,786
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,490
−HK$1,732/mo
Today · 4.125%
HK$58,222
baseline
▲ 0.50% · 4.625%
HK$61,764
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,444/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,949
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,584
−HK$1,658/mo
Today · 4.125%
HK$64,242
baseline
▲ 0.50% · 4.625%
HK$67,628
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,484/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,743
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,788
−HK$2,078/mo
Today · 4.125%
HK$69,866
baseline
▲ 0.50% · 4.625%
HK$74,117
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,732/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,139
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,100
−HK$1,990/mo
Today · 4.125%
HK$77,090
baseline
▲ 0.50% · 4.625%
HK$81,154
+HK$4,064/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,180/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,700
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,086
−HK$2,424/mo
Today · 4.125%
HK$81,510
baseline
▲ 0.50% · 4.625%
HK$86,470
+HK$4,960/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,020/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,328
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,617
−HK$2,321/mo
Today · 4.125%
HK$89,938
baseline
▲ 0.50% · 4.625%
HK$94,679
+HK$4,741/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$1,021,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,615
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,682
−HK$3,117/mo
Today · 4.125%
HK$104,799
baseline
▲ 0.50% · 4.625%
HK$111,176
+HK$6,377/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,598/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,708
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,650
−HK$2,985/mo
Today · 4.125%
HK$115,635
baseline
▲ 0.50% · 4.625%
HK$121,730
+HK$6,095/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,270/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,116 · Scale 2, in force from 26 Feb 2026)