LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,888
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,595
−HK$1,734/mo
Today · 4.125%
HK$58,329
baseline
▲ 0.50% · 4.625%
HK$61,879
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,658/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,062
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,699
−HK$1,662/mo
Today · 4.125%
HK$64,361
baseline
▲ 0.50% · 4.625%
HK$67,753
+HK$3,392/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,722/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,865
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,914
−HK$2,081/mo
Today · 4.125%
HK$69,995
baseline
▲ 0.50% · 4.625%
HK$74,254
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,990/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,274
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,239
−HK$1,994/mo
Today · 4.125%
HK$77,233
baseline
▲ 0.50% · 4.625%
HK$81,304
+HK$4,071/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,466/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,843
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,233
−HK$2,428/mo
Today · 4.125%
HK$81,661
baseline
▲ 0.50% · 4.625%
HK$86,630
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,322/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,487
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,779
−HK$2,326/mo
Today · 4.125%
HK$90,105
baseline
▲ 0.50% · 4.625%
HK$94,855
+HK$4,750/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,210/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,798
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,871
−HK$3,122/mo
Today · 4.125%
HK$104,993
baseline
▲ 0.50% · 4.625%
HK$111,382
+HK$6,389/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,986/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,911
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,859
−HK$2,990/mo
Today · 4.125%
HK$115,849
baseline
▲ 0.50% · 4.625%
HK$121,956
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,698/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,008 · Scale 2, in force from 26 Feb 2026)