LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,789
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,493
−HK$1,732/mo
Today · 4.125%
HK$58,225
baseline
▲ 0.50% · 4.625%
HK$61,767
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,450/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,952
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,587
−HK$1,658/mo
Today · 4.125%
HK$64,245
baseline
▲ 0.50% · 4.625%
HK$67,632
+HK$3,387/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,490/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,747
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,792
−HK$2,078/mo
Today · 4.125%
HK$69,870
baseline
▲ 0.50% · 4.625%
HK$74,121
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,740/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,143
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,104
−HK$1,990/mo
Today · 4.125%
HK$77,094
baseline
▲ 0.50% · 4.625%
HK$81,158
+HK$4,064/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,188/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,704
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,090
−HK$2,425/mo
Today · 4.125%
HK$81,515
baseline
▲ 0.50% · 4.625%
HK$86,474
+HK$4,959/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,030/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,333
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,622
−HK$2,321/mo
Today · 4.125%
HK$89,943
baseline
▲ 0.50% · 4.625%
HK$94,684
+HK$4,741/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,886/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,620
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,688
−HK$3,116/mo
Today · 4.125%
HK$104,804
baseline
▲ 0.50% · 4.625%
HK$111,181
+HK$6,377/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,608/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,714
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,656
−HK$2,985/mo
Today · 4.125%
HK$115,641
baseline
▲ 0.50% · 4.625%
HK$121,737
+HK$6,096/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,282/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,170 · Scale 2, in force from 26 Feb 2026)