LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,802
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,507
−HK$1,732/mo
Today · 4.125%
HK$58,239
baseline
▲ 0.50% · 4.625%
HK$61,782
+HK$3,543/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,478/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,967
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,602
−HK$1,658/mo
Today · 4.125%
HK$64,260
baseline
▲ 0.50% · 4.625%
HK$67,648
+HK$3,388/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$1,021,413 · 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$74,139
+HK$4,253/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$1,021,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,160
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,122
−HK$1,991/mo
Today · 4.125%
HK$77,113
baseline
▲ 0.50% · 4.625%
HK$81,177
+HK$4,064/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,226/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,723
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,109
−HK$2,425/mo
Today · 4.125%
HK$81,534
baseline
▲ 0.50% · 4.625%
HK$86,495
+HK$4,961/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,068/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,353
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,642
−HK$2,323/mo
Today · 4.125%
HK$89,965
baseline
▲ 0.50% · 4.625%
HK$94,707
+HK$4,742/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,930/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,644
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,712
−HK$3,117/mo
Today · 4.125%
HK$104,829
baseline
▲ 0.50% · 4.625%
HK$111,208
+HK$6,379/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$1,021,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,740
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,683
−HK$2,986/mo
Today · 4.125%
HK$115,669
baseline
▲ 0.50% · 4.625%
HK$121,766
+HK$6,097/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,338/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,413 · Scale 2, in force from 26 Feb 2026)