LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,852
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,559
−HK$1,733/mo
Today · 4.125%
HK$58,292
baseline
▲ 0.50% · 4.625%
HK$61,839
+HK$3,547/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,584/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,023
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,659
−HK$1,661/mo
Today · 4.125%
HK$64,320
baseline
▲ 0.50% · 4.625%
HK$67,710
+HK$3,390/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,640/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,823
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,870
−HK$2,081/mo
Today · 4.125%
HK$69,951
baseline
▲ 0.50% · 4.625%
HK$74,207
+HK$4,256/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,902/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,227
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,191
−HK$1,993/mo
Today · 4.125%
HK$77,184
baseline
▲ 0.50% · 4.625%
HK$81,252
+HK$4,068/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,368/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,793
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,182
−HK$2,427/mo
Today · 4.125%
HK$81,609
baseline
▲ 0.50% · 4.625%
HK$86,575
+HK$4,966/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,218/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,432
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,723
−HK$2,325/mo
Today · 4.125%
HK$90,048
baseline
▲ 0.50% · 4.625%
HK$94,794
+HK$4,746/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,096/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,734
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,806
−HK$3,120/mo
Today · 4.125%
HK$104,926
baseline
▲ 0.50% · 4.625%
HK$111,310
+HK$6,384/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,852/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,841
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,787
−HK$2,988/mo
Today · 4.125%
HK$115,775
baseline
▲ 0.50% · 4.625%
HK$121,878
+HK$6,103/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,550/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,355 · Scale 2, in force from 26 Feb 2026)