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$61,783
+HK$3,544/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$1,021,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,967
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,602
−HK$1,659/mo
Today · 4.125%
HK$64,261
baseline
▲ 0.50% · 4.625%
HK$67,648
+HK$3,387/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,522/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,763
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$67,808
−HK$2,079/mo
Today · 4.125%
HK$69,887
baseline
▲ 0.50% · 4.625%
HK$74,139
+HK$4,252/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,774/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,160
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$75,123
−HK$1,990/mo
Today · 4.125%
HK$77,113
baseline
▲ 0.50% · 4.625%
HK$81,178
+HK$4,065/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$1,021,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,723
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,110
−HK$2,425/mo
Today · 4.125%
HK$81,535
baseline
▲ 0.50% · 4.625%
HK$86,496
+HK$4,961/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,070/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,354
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,643
−HK$2,322/mo
Today · 4.125%
HK$89,965
baseline
▲ 0.50% · 4.625%
HK$94,708
+HK$4,743/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$1,021,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,644
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,713
−HK$3,117/mo
Today · 4.125%
HK$104,830
baseline
▲ 0.50% · 4.625%
HK$111,209
+HK$6,379/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$209,660/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,741
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,684
−HK$2,986/mo
Today · 4.125%
HK$115,670
baseline
▲ 0.50% · 4.625%
HK$121,767
+HK$6,097/mo
Deposit HK$2.40M · loan HK$21.63M · min. income ≈ HK$231,340/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,421 · Scale 2, in force from 26 Feb 2026)