LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,851
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,557
−HK$1,733/mo
Today · 4.125%
HK$58,290
baseline
▲ 0.50% · 4.625%
HK$61,837
+HK$3,547/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,580/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,021
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,657
−HK$1,660/mo
Today · 4.125%
HK$64,317
baseline
▲ 0.50% · 4.625%
HK$67,708
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,634/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,821
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$67,868
−HK$2,080/mo
Today · 4.125%
HK$69,948
baseline
▲ 0.50% · 4.625%
HK$74,204
+HK$4,256/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,896/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,225
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,189
−HK$1,992/mo
Today · 4.125%
HK$77,181
baseline
▲ 0.50% · 4.625%
HK$81,249
+HK$4,068/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,362/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,791
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,179
−HK$2,427/mo
Today · 4.125%
HK$81,606
baseline
▲ 0.50% · 4.625%
HK$86,572
+HK$4,966/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,212/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,429
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,720
−HK$2,324/mo
Today · 4.125%
HK$90,044
baseline
▲ 0.50% · 4.625%
HK$94,791
+HK$4,747/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,088/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,731
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,802
−HK$3,120/mo
Today · 4.125%
HK$104,922
baseline
▲ 0.50% · 4.625%
HK$111,307
+HK$6,385/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,844/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,837
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,783
−HK$2,988/mo
Today · 4.125%
HK$115,771
baseline
▲ 0.50% · 4.625%
HK$121,874
+HK$6,103/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,542/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,319 · Scale 2, in force from 26 Feb 2026)