LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,867
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,574
−HK$1,734/mo
Today · 4.125%
HK$58,308
baseline
▲ 0.50% · 4.625%
HK$61,856
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,616/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,039
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,676
−HK$1,661/mo
Today · 4.125%
HK$64,337
baseline
▲ 0.50% · 4.625%
HK$67,728
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,674/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,841
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$67,889
−HK$2,080/mo
Today · 4.125%
HK$69,969
baseline
▲ 0.50% · 4.625%
HK$74,227
+HK$4,258/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$139,938/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,247
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,211
−HK$1,993/mo
Today · 4.125%
HK$77,204
baseline
▲ 0.50% · 4.625%
HK$81,274
+HK$4,070/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$154,408/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,814
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,203
−HK$2,428/mo
Today · 4.125%
HK$81,631
baseline
▲ 0.50% · 4.625%
HK$86,598
+HK$4,967/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,262/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,455
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,747
−HK$2,325/mo
Today · 4.125%
HK$90,072
baseline
▲ 0.50% · 4.625%
HK$94,819
+HK$4,747/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,144/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,761
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,833
−HK$3,121/mo
Today · 4.125%
HK$104,954
baseline
▲ 0.50% · 4.625%
HK$111,340
+HK$6,386/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,908/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,870
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,817
−HK$2,989/mo
Today · 4.125%
HK$115,806
baseline
▲ 0.50% · 4.625%
HK$121,911
+HK$6,105/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,612/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,628 · Scale 2, in force from 26 Feb 2026)