LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,846
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,552
−HK$1,734/mo
Today · 4.125%
HK$58,286
baseline
▲ 0.50% · 4.625%
HK$61,832
+HK$3,546/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,572/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,016
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,652
−HK$1,661/mo
Today · 4.125%
HK$64,313
baseline
▲ 0.50% · 4.625%
HK$67,703
+HK$3,390/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,626/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,816
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,863
−HK$2,080/mo
Today · 4.125%
HK$69,943
baseline
▲ 0.50% · 4.625%
HK$74,199
+HK$4,256/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,886/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,219
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,183
−HK$1,992/mo
Today · 4.125%
HK$77,175
baseline
▲ 0.50% · 4.625%
HK$81,243
+HK$4,068/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,350/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,785
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,173
−HK$2,427/mo
Today · 4.125%
HK$81,600
baseline
▲ 0.50% · 4.625%
HK$86,565
+HK$4,965/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,200/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,422
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,713
−HK$2,325/mo
Today · 4.125%
HK$90,038
baseline
▲ 0.50% · 4.625%
HK$94,784
+HK$4,746/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,076/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,723
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,794
−HK$3,120/mo
Today · 4.125%
HK$104,914
baseline
▲ 0.50% · 4.625%
HK$111,298
+HK$6,384/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,828/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,829
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,774
−HK$2,989/mo
Today · 4.125%
HK$115,763
baseline
▲ 0.50% · 4.625%
HK$121,865
+HK$6,102/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,526/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,241 · Scale 2, in force from 26 Feb 2026)