LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,855
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,562
−HK$1,733/mo
Today · 4.125%
HK$58,295
baseline
▲ 0.50% · 4.625%
HK$61,842
+HK$3,547/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,590/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,026
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,663
−HK$1,660/mo
Today · 4.125%
HK$64,323
baseline
▲ 0.50% · 4.625%
HK$67,713
+HK$3,390/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,646/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,826
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,874
−HK$2,080/mo
Today · 4.125%
HK$69,954
baseline
▲ 0.50% · 4.625%
HK$74,211
+HK$4,257/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,908/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,231
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,195
−HK$1,992/mo
Today · 4.125%
HK$77,187
baseline
▲ 0.50% · 4.625%
HK$81,256
+HK$4,069/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,374/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,797
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,186
−HK$2,427/mo
Today · 4.125%
HK$81,613
baseline
▲ 0.50% · 4.625%
HK$86,579
+HK$4,966/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,226/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,436
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,728
−HK$2,324/mo
Today · 4.125%
HK$90,052
baseline
▲ 0.50% · 4.625%
HK$94,799
+HK$4,747/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,104/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,739
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,811
−HK$3,120/mo
Today · 4.125%
HK$104,931
baseline
▲ 0.50% · 4.625%
HK$111,316
+HK$6,385/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,862/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,847
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,793
−HK$2,988/mo
Today · 4.125%
HK$115,781
baseline
▲ 0.50% · 4.625%
HK$121,884
+HK$6,103/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,562/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,406 · Scale 2, in force from 26 Feb 2026)