LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,841
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,547
−HK$1,733/mo
Today · 4.125%
HK$58,280
baseline
▲ 0.50% · 4.625%
HK$61,826
+HK$3,546/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,560/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,010
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,646
−HK$1,660/mo
Today · 4.125%
HK$64,306
baseline
▲ 0.50% · 4.625%
HK$67,696
+HK$3,390/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,612/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,809
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,856
−HK$2,080/mo
Today · 4.125%
HK$69,936
baseline
▲ 0.50% · 4.625%
HK$74,191
+HK$4,255/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,872/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,212
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,175
−HK$1,992/mo
Today · 4.125%
HK$77,167
baseline
▲ 0.50% · 4.625%
HK$81,235
+HK$4,068/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,334/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,777
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,165
−HK$2,427/mo
Today · 4.125%
HK$81,592
baseline
▲ 0.50% · 4.625%
HK$86,556
+HK$4,964/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,184/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,414
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,704
−HK$2,324/mo
Today · 4.125%
HK$90,028
baseline
▲ 0.50% · 4.625%
HK$94,774
+HK$4,746/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,056/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,713
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,784
−HK$3,119/mo
Today · 4.125%
HK$104,903
baseline
▲ 0.50% · 4.625%
HK$111,287
+HK$6,384/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,806/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,817
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,763
−HK$2,988/mo
Today · 4.125%
HK$115,751
baseline
▲ 0.50% · 4.625%
HK$121,852
+HK$6,101/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,502/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,135 · Scale 2, in force from 26 Feb 2026)