LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,877
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,584
−HK$1,735/mo
Today · 4.125%
HK$58,319
baseline
▲ 0.50% · 4.625%
HK$61,867
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,638/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,051
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,688
−HK$1,661/mo
Today · 4.125%
HK$64,349
baseline
▲ 0.50% · 4.625%
HK$67,741
+HK$3,392/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,698/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,853
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,901
−HK$2,081/mo
Today · 4.125%
HK$69,982
baseline
▲ 0.50% · 4.625%
HK$74,241
+HK$4,259/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$1,022,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,261
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,226
−HK$1,993/mo
Today · 4.125%
HK$77,219
baseline
▲ 0.50% · 4.625%
HK$81,289
+HK$4,070/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,438/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,828
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,218
−HK$2,428/mo
Today · 4.125%
HK$81,646
baseline
▲ 0.50% · 4.625%
HK$86,614
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,292/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,471
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,763
−HK$2,326/mo
Today · 4.125%
HK$90,089
baseline
▲ 0.50% · 4.625%
HK$94,837
+HK$4,748/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,178/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,779
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,852
−HK$3,122/mo
Today · 4.125%
HK$104,974
baseline
▲ 0.50% · 4.625%
HK$111,361
+HK$6,387/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,948/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,891
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,838
−HK$2,990/mo
Today · 4.125%
HK$115,828
baseline
▲ 0.50% · 4.625%
HK$121,934
+HK$6,106/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,656/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,820 · Scale 2, in force from 26 Feb 2026)