LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,877
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,584
−HK$1,734/mo
Today · 4.125%
HK$58,318
baseline
▲ 0.50% · 4.625%
HK$61,867
+HK$3,549/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,636/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,050
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,687
−HK$1,661/mo
Today · 4.125%
HK$64,348
baseline
▲ 0.50% · 4.625%
HK$67,740
+HK$3,392/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,696/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,852
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,901
−HK$2,081/mo
Today · 4.125%
HK$69,982
baseline
▲ 0.50% · 4.625%
HK$74,240
+HK$4,258/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,964/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,260
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,225
−HK$1,993/mo
Today · 4.125%
HK$77,218
baseline
▲ 0.50% · 4.625%
HK$81,288
+HK$4,070/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,436/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,828
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,217
−HK$2,428/mo
Today · 4.125%
HK$81,645
baseline
▲ 0.50% · 4.625%
HK$86,613
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,290/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,470
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,762
−HK$2,326/mo
Today · 4.125%
HK$90,088
baseline
▲ 0.50% · 4.625%
HK$94,836
+HK$4,748/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,176/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,778
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,851
−HK$3,122/mo
Today · 4.125%
HK$104,973
baseline
▲ 0.50% · 4.625%
HK$111,360
+HK$6,387/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,946/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,890
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,837
−HK$2,990/mo
Today · 4.125%
HK$115,827
baseline
▲ 0.50% · 4.625%
HK$121,932
+HK$6,105/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,654/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,808 · Scale 2, in force from 26 Feb 2026)