LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,835
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,541
−HK$1,733/mo
Today · 4.125%
HK$58,274
baseline
▲ 0.50% · 4.625%
HK$61,820
+HK$3,546/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,548/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,004
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,640
−HK$1,659/mo
Today · 4.125%
HK$64,299
baseline
▲ 0.50% · 4.625%
HK$67,689
+HK$3,390/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,598/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,802
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,849
−HK$2,080/mo
Today · 4.125%
HK$69,929
baseline
▲ 0.50% · 4.625%
HK$74,184
+HK$4,255/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,858/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,204
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,168
−HK$1,991/mo
Today · 4.125%
HK$77,159
baseline
▲ 0.50% · 4.625%
HK$81,226
+HK$4,067/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,318/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,769
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,157
−HK$2,426/mo
Today · 4.125%
HK$81,583
baseline
▲ 0.50% · 4.625%
HK$86,548
+HK$4,965/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,166/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,405
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,696
−HK$2,323/mo
Today · 4.125%
HK$90,019
baseline
▲ 0.50% · 4.625%
HK$94,764
+HK$4,745/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,038/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,703
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,774
−HK$3,119/mo
Today · 4.125%
HK$104,893
baseline
▲ 0.50% · 4.625%
HK$111,275
+HK$6,382/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,786/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,806
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,751
−HK$2,988/mo
Today · 4.125%
HK$115,739
baseline
▲ 0.50% · 4.625%
HK$121,840
+HK$6,101/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,478/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,033 · Scale 2, in force from 26 Feb 2026)