LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,883
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,591
−HK$1,734/mo
Today · 4.125%
HK$58,325
baseline
▲ 0.50% · 4.625%
HK$61,874
+HK$3,549/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,650/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,057
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,695
−HK$1,661/mo
Today · 4.125%
HK$64,356
baseline
▲ 0.50% · 4.625%
HK$67,748
+HK$3,392/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,712/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,860
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,909
−HK$2,081/mo
Today · 4.125%
HK$69,990
baseline
▲ 0.50% · 4.625%
HK$74,249
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,980/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,269
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,234
−HK$1,993/mo
Today · 4.125%
HK$77,227
baseline
▲ 0.50% · 4.625%
HK$81,298
+HK$4,071/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,454/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,837
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,227
−HK$2,428/mo
Today · 4.125%
HK$81,655
baseline
▲ 0.50% · 4.625%
HK$86,624
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,310/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,480
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,773
−HK$2,325/mo
Today · 4.125%
HK$90,098
baseline
▲ 0.50% · 4.625%
HK$94,848
+HK$4,750/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,196/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,790
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,863
−HK$3,122/mo
Today · 4.125%
HK$104,985
baseline
▲ 0.50% · 4.625%
HK$111,373
+HK$6,388/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,970/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,903
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,851
−HK$2,990/mo
Today · 4.125%
HK$115,841
baseline
▲ 0.50% · 4.625%
HK$121,947
+HK$6,106/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,682/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,931 · Scale 2, in force from 26 Feb 2026)