LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,868
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,575
−HK$1,734/mo
Today · 4.125%
HK$58,309
baseline
▲ 0.50% · 4.625%
HK$61,857
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,618/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,041
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,678
−HK$1,660/mo
Today · 4.125%
HK$64,338
baseline
▲ 0.50% · 4.625%
HK$67,730
+HK$3,392/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,676/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,022,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,842
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,890
−HK$2,081/mo
Today · 4.125%
HK$69,971
baseline
▲ 0.50% · 4.625%
HK$74,228
+HK$4,257/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$139,942/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,249
−HK$3,957/mo
▼ 0.25% · 3.875%
HK$75,213
−HK$1,993/mo
Today · 4.125%
HK$77,206
baseline
▲ 0.50% · 4.625%
HK$81,276
+HK$4,070/mo
Deposit HK$9.62M · loan HK$14.44M · min. income ≈ HK$154,412/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,816
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,205
−HK$2,428/mo
Today · 4.125%
HK$81,633
baseline
▲ 0.50% · 4.625%
HK$86,600
+HK$4,967/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$163,266/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,457
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,749
−HK$2,325/mo
Today · 4.125%
HK$90,074
baseline
▲ 0.50% · 4.625%
HK$94,822
+HK$4,748/mo
Deposit HK$7.22M · loan HK$16.84M · min. income ≈ HK$180,148/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,763
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,835
−HK$3,121/mo
Today · 4.125%
HK$104,956
baseline
▲ 0.50% · 4.625%
HK$111,343
+HK$6,387/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,912/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,873
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,820
−HK$2,989/mo
Today · 4.125%
HK$115,809
baseline
▲ 0.50% · 4.625%
HK$121,913
+HK$6,104/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,618/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,651 · Scale 2, in force from 26 Feb 2026)