LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,839
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,544
−HK$1,733/mo
Today · 4.125%
HK$58,277
baseline
▲ 0.50% · 4.625%
HK$61,824
+HK$3,547/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,554/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,007
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,644
−HK$1,659/mo
Today · 4.125%
HK$64,303
baseline
▲ 0.50% · 4.625%
HK$67,693
+HK$3,390/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,606/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,806
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,853
−HK$2,080/mo
Today · 4.125%
HK$69,933
baseline
▲ 0.50% · 4.625%
HK$74,188
+HK$4,255/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,866/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,209
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,172
−HK$1,992/mo
Today · 4.125%
HK$77,164
baseline
▲ 0.50% · 4.625%
HK$81,232
+HK$4,068/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,328/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,774
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,162
−HK$2,426/mo
Today · 4.125%
HK$81,588
baseline
▲ 0.50% · 4.625%
HK$86,553
+HK$4,965/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,176/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,410
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,701
−HK$2,324/mo
Today · 4.125%
HK$90,025
baseline
▲ 0.50% · 4.625%
HK$94,770
+HK$4,745/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,050/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,710
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,780
−HK$3,119/mo
Today · 4.125%
HK$104,899
baseline
▲ 0.50% · 4.625%
HK$111,282
+HK$6,383/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,798/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,813
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,758
−HK$2,988/mo
Today · 4.125%
HK$115,746
baseline
▲ 0.50% · 4.625%
HK$121,847
+HK$6,101/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,492/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,097 · Scale 2, in force from 26 Feb 2026)