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$61,827
+HK$3,547/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$1,022,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,011
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,647
−HK$1,660/mo
Today · 4.125%
HK$64,307
baseline
▲ 0.50% · 4.625%
HK$67,696
+HK$3,389/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,614/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,810
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,857
−HK$2,080/mo
Today · 4.125%
HK$69,937
baseline
▲ 0.50% · 4.625%
HK$74,192
+HK$4,255/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,874/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,213
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,176
−HK$1,992/mo
Today · 4.125%
HK$77,168
baseline
▲ 0.50% · 4.625%
HK$81,236
+HK$4,068/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,336/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,778
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,166
−HK$2,427/mo
Today · 4.125%
HK$81,593
baseline
▲ 0.50% · 4.625%
HK$86,557
+HK$4,964/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,186/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,415
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,706
−HK$2,323/mo
Today · 4.125%
HK$90,029
baseline
▲ 0.50% · 4.625%
HK$94,775
+HK$4,746/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,058/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,715
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,785
−HK$3,120/mo
Today · 4.125%
HK$104,905
baseline
▲ 0.50% · 4.625%
HK$111,288
+HK$6,383/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,810/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,819
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,764
−HK$2,988/mo
Today · 4.125%
HK$115,752
baseline
▲ 0.50% · 4.625%
HK$121,854
+HK$6,102/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,504/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,149 · Scale 2, in force from 26 Feb 2026)