LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,854
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,560
−HK$1,733/mo
Today · 4.125%
HK$58,293
baseline
▲ 0.50% · 4.625%
HK$61,841
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,586/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,024
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,661
−HK$1,660/mo
Today · 4.125%
HK$64,321
baseline
▲ 0.50% · 4.625%
HK$67,712
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,642/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,824
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,872
−HK$2,080/mo
Today · 4.125%
HK$69,952
baseline
▲ 0.50% · 4.625%
HK$74,209
+HK$4,257/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,904/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,229
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,193
−HK$1,992/mo
Today · 4.125%
HK$77,185
baseline
▲ 0.50% · 4.625%
HK$81,254
+HK$4,069/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,370/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,022,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,795
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,184
−HK$2,427/mo
Today · 4.125%
HK$81,611
baseline
▲ 0.50% · 4.625%
HK$86,577
+HK$4,966/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,222/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,434
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,725
−HK$2,325/mo
Today · 4.125%
HK$90,050
baseline
▲ 0.50% · 4.625%
HK$94,796
+HK$4,746/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,100/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,737
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,808
−HK$3,120/mo
Today · 4.125%
HK$104,928
baseline
▲ 0.50% · 4.625%
HK$111,313
+HK$6,385/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,856/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,844
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,789
−HK$2,989/mo
Today · 4.125%
HK$115,778
baseline
▲ 0.50% · 4.625%
HK$121,881
+HK$6,103/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,556/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,377 · Scale 2, in force from 26 Feb 2026)