LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,881
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,588
−HK$1,735/mo
Today · 4.125%
HK$58,323
baseline
▲ 0.50% · 4.625%
HK$61,871
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,646/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,055
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,692
−HK$1,661/mo
Today · 4.125%
HK$64,353
baseline
▲ 0.50% · 4.625%
HK$67,745
+HK$3,392/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,706/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,857
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,906
−HK$2,081/mo
Today · 4.125%
HK$69,987
baseline
▲ 0.50% · 4.625%
HK$74,246
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,974/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,265
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,230
−HK$1,994/mo
Today · 4.125%
HK$77,224
baseline
▲ 0.50% · 4.625%
HK$81,294
+HK$4,070/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,448/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,833
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,223
−HK$2,429/mo
Today · 4.125%
HK$81,652
baseline
▲ 0.50% · 4.625%
HK$86,620
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,304/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,476
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,769
−HK$2,325/mo
Today · 4.125%
HK$90,094
baseline
▲ 0.50% · 4.625%
HK$94,843
+HK$4,749/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,188/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,786
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,859
−HK$3,122/mo
Today · 4.125%
HK$104,981
baseline
▲ 0.50% · 4.625%
HK$111,368
+HK$6,387/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,962/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,898
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,846
−HK$2,990/mo
Today · 4.125%
HK$115,836
baseline
▲ 0.50% · 4.625%
HK$121,942
+HK$6,106/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,672/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,887 · Scale 2, in force from 26 Feb 2026)