LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,802
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,506
−HK$1,732/mo
Today · 4.125%
HK$58,238
baseline
▲ 0.50% · 4.625%
HK$61,782
+HK$3,544/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,476/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,966
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,601
−HK$1,659/mo
Today · 4.125%
HK$64,260
baseline
▲ 0.50% · 4.625%
HK$67,647
+HK$3,387/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,520/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,762
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,808
−HK$2,078/mo
Today · 4.125%
HK$69,886
baseline
▲ 0.50% · 4.625%
HK$74,138
+HK$4,252/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,772/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,159
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,122
−HK$1,990/mo
Today · 4.125%
HK$77,112
baseline
▲ 0.50% · 4.625%
HK$81,177
+HK$4,065/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,224/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,722
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,109
−HK$2,424/mo
Today · 4.125%
HK$81,533
baseline
▲ 0.50% · 4.625%
HK$86,495
+HK$4,962/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,066/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,353
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,642
−HK$2,322/mo
Today · 4.125%
HK$89,964
baseline
▲ 0.50% · 4.625%
HK$94,706
+HK$4,742/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,928/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,643
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,711
−HK$3,118/mo
Today · 4.125%
HK$104,829
baseline
▲ 0.50% · 4.625%
HK$111,207
+HK$6,378/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,658/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,739
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,682
−HK$2,986/mo
Today · 4.125%
HK$115,668
baseline
▲ 0.50% · 4.625%
HK$121,765
+HK$6,097/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,336/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,407 · Scale 2, in force from 26 Feb 2026)