LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,839
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,545
−HK$1,733/mo
Today · 4.125%
HK$58,278
baseline
▲ 0.50% · 4.625%
HK$61,824
+HK$3,546/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,556/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,008
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,644
−HK$1,660/mo
Today · 4.125%
HK$64,304
baseline
▲ 0.50% · 4.625%
HK$67,693
+HK$3,389/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,608/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,807
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,854
−HK$2,079/mo
Today · 4.125%
HK$69,933
baseline
▲ 0.50% · 4.625%
HK$74,189
+HK$4,256/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$1,022,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,209
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,173
−HK$1,992/mo
Today · 4.125%
HK$77,165
baseline
▲ 0.50% · 4.625%
HK$81,232
+HK$4,067/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,330/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,774
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,163
−HK$2,426/mo
Today · 4.125%
HK$81,589
baseline
▲ 0.50% · 4.625%
HK$86,553
+HK$4,964/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,178/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,411
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,701
−HK$2,324/mo
Today · 4.125%
HK$90,025
baseline
▲ 0.50% · 4.625%
HK$94,771
+HK$4,746/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$1,022,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,710
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,780
−HK$3,120/mo
Today · 4.125%
HK$104,900
baseline
▲ 0.50% · 4.625%
HK$111,283
+HK$6,383/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,800/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,814
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,759
−HK$2,988/mo
Today · 4.125%
HK$115,747
baseline
▲ 0.50% · 4.625%
HK$121,848
+HK$6,101/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,494/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,102 · Scale 2, in force from 26 Feb 2026)