LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,859
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,565
−HK$1,734/mo
Today · 4.125%
HK$58,299
baseline
▲ 0.50% · 4.625%
HK$61,846
+HK$3,547/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,598/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,030
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,667
−HK$1,660/mo
Today · 4.125%
HK$64,327
baseline
▲ 0.50% · 4.625%
HK$67,718
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,654/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,831
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,878
−HK$2,081/mo
Today · 4.125%
HK$69,959
baseline
▲ 0.50% · 4.625%
HK$74,215
+HK$4,256/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,918/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,236
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$75,200
−HK$1,992/mo
Today · 4.125%
HK$77,192
baseline
▲ 0.50% · 4.625%
HK$81,261
+HK$4,069/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,384/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,802
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,191
−HK$2,427/mo
Today · 4.125%
HK$81,618
baseline
▲ 0.50% · 4.625%
HK$86,585
+HK$4,967/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,236/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,442
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,733
−HK$2,325/mo
Today · 4.125%
HK$90,058
baseline
▲ 0.50% · 4.625%
HK$94,805
+HK$4,747/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,116/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,746
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,817
−HK$3,121/mo
Today · 4.125%
HK$104,938
baseline
▲ 0.50% · 4.625%
HK$111,323
+HK$6,385/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,876/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,854
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,800
−HK$2,989/mo
Today · 4.125%
HK$115,789
baseline
▲ 0.50% · 4.625%
HK$121,892
+HK$6,103/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,578/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,472 · Scale 2, in force from 26 Feb 2026)