LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,856
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,563
−HK$1,733/mo
Today · 4.125%
HK$58,296
baseline
▲ 0.50% · 4.625%
HK$61,844
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,592/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,027
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,664
−HK$1,660/mo
Today · 4.125%
HK$64,324
baseline
▲ 0.50% · 4.625%
HK$67,715
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,648/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,828
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,875
−HK$2,081/mo
Today · 4.125%
HK$69,956
baseline
▲ 0.50% · 4.625%
HK$74,212
+HK$4,256/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,912/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,233
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,197
−HK$1,992/mo
Today · 4.125%
HK$77,189
baseline
▲ 0.50% · 4.625%
HK$81,258
+HK$4,069/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,378/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,799
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,188
−HK$2,427/mo
Today · 4.125%
HK$81,615
baseline
▲ 0.50% · 4.625%
HK$86,581
+HK$4,966/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,230/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,438
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,730
−HK$2,324/mo
Today · 4.125%
HK$90,054
baseline
▲ 0.50% · 4.625%
HK$94,801
+HK$4,747/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,108/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,742
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,813
−HK$3,121/mo
Today · 4.125%
HK$104,934
baseline
▲ 0.50% · 4.625%
HK$111,319
+HK$6,385/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,868/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,849
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,795
−HK$2,989/mo
Today · 4.125%
HK$115,784
baseline
▲ 0.50% · 4.625%
HK$121,887
+HK$6,103/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,568/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,429 · Scale 2, in force from 26 Feb 2026)