LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,861
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,567
−HK$1,734/mo
Today · 4.125%
HK$58,301
baseline
▲ 0.50% · 4.625%
HK$61,849
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,602/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,032
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,669
−HK$1,661/mo
Today · 4.125%
HK$64,330
baseline
▲ 0.50% · 4.625%
HK$67,721
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,660/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,833
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,881
−HK$2,080/mo
Today · 4.125%
HK$69,961
baseline
▲ 0.50% · 4.625%
HK$74,218
+HK$4,257/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$139,922/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,239
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,203
−HK$1,993/mo
Today · 4.125%
HK$77,196
baseline
▲ 0.50% · 4.625%
HK$81,265
+HK$4,069/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$154,392/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,805
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,194
−HK$2,428/mo
Today · 4.125%
HK$81,622
baseline
▲ 0.50% · 4.625%
HK$86,588
+HK$4,966/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,244/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,445
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,737
−HK$2,324/mo
Today · 4.125%
HK$90,061
baseline
▲ 0.50% · 4.625%
HK$94,809
+HK$4,748/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,122/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,750
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,821
−HK$3,121/mo
Today · 4.125%
HK$104,942
baseline
▲ 0.50% · 4.625%
HK$111,328
+HK$6,386/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$209,884/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,858
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,804
−HK$2,989/mo
Today · 4.125%
HK$115,793
baseline
▲ 0.50% · 4.625%
HK$121,897
+HK$6,104/mo
Deposit HK$2.41M · loan HK$21.65M · min. income ≈ HK$231,586/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,512 · Scale 2, in force from 26 Feb 2026)