LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,834
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,539
−HK$1,733/mo
Today · 4.125%
HK$58,272
baseline
▲ 0.50% · 4.625%
HK$61,818
+HK$3,546/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,544/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,002
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,638
−HK$1,660/mo
Today · 4.125%
HK$64,298
baseline
▲ 0.50% · 4.625%
HK$67,687
+HK$3,389/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,596/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,800
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,847
−HK$2,080/mo
Today · 4.125%
HK$69,927
baseline
▲ 0.50% · 4.625%
HK$74,182
+HK$4,255/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,854/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,202
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,166
−HK$1,991/mo
Today · 4.125%
HK$77,157
baseline
▲ 0.50% · 4.625%
HK$81,224
+HK$4,067/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,314/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,767
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,155
−HK$2,426/mo
Today · 4.125%
HK$81,581
baseline
▲ 0.50% · 4.625%
HK$86,545
+HK$4,964/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,162/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,403
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,693
−HK$2,324/mo
Today · 4.125%
HK$90,017
baseline
▲ 0.50% · 4.625%
HK$94,762
+HK$4,745/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,034/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,701
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,771
−HK$3,119/mo
Today · 4.125%
HK$104,890
baseline
▲ 0.50% · 4.625%
HK$111,272
+HK$6,382/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,780/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,804
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,748
−HK$2,988/mo
Today · 4.125%
HK$115,736
baseline
▲ 0.50% · 4.625%
HK$121,837
+HK$6,101/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,472/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,006 · Scale 2, in force from 26 Feb 2026)