LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,800
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,504
−HK$1,732/mo
Today · 4.125%
HK$58,236
baseline
▲ 0.50% · 4.625%
HK$61,780
+HK$3,544/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,472/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,964
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,599
−HK$1,659/mo
Today · 4.125%
HK$64,258
baseline
▲ 0.50% · 4.625%
HK$67,645
+HK$3,387/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,516/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,760
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$67,805
−HK$2,078/mo
Today · 4.125%
HK$69,883
baseline
▲ 0.50% · 4.625%
HK$74,136
+HK$4,253/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,766/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,157
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$75,119
−HK$1,990/mo
Today · 4.125%
HK$77,109
baseline
▲ 0.50% · 4.625%
HK$81,174
+HK$4,065/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,218/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,720
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,106
−HK$2,425/mo
Today · 4.125%
HK$81,531
baseline
▲ 0.50% · 4.625%
HK$86,492
+HK$4,961/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,062/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,350
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,639
−HK$2,322/mo
Today · 4.125%
HK$89,961
baseline
▲ 0.50% · 4.625%
HK$94,703
+HK$4,742/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,922/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,640
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,708
−HK$3,117/mo
Today · 4.125%
HK$104,825
baseline
▲ 0.50% · 4.625%
HK$111,203
+HK$6,378/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,650/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,735
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,679
−HK$2,985/mo
Today · 4.125%
HK$115,664
baseline
▲ 0.50% · 4.625%
HK$121,761
+HK$6,097/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,328/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,372 · Scale 2, in force from 26 Feb 2026)