LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,888
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,595
−HK$1,735/mo
Today · 4.125%
HK$58,330
baseline
▲ 0.50% · 4.625%
HK$61,879
+HK$3,549/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,660/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,062
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,700
−HK$1,661/mo
Today · 4.125%
HK$64,361
baseline
▲ 0.50% · 4.625%
HK$67,754
+HK$3,393/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$1,023,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,865
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,914
−HK$2,082/mo
Today · 4.125%
HK$69,996
baseline
▲ 0.50% · 4.625%
HK$74,255
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,992/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,275
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,240
−HK$1,993/mo
Today · 4.125%
HK$77,233
baseline
▲ 0.50% · 4.625%
HK$81,305
+HK$4,072/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$1,023,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,843
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,233
−HK$2,429/mo
Today · 4.125%
HK$81,662
baseline
▲ 0.50% · 4.625%
HK$86,631
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,324/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,487
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,780
−HK$2,326/mo
Today · 4.125%
HK$90,106
baseline
▲ 0.50% · 4.625%
HK$94,855
+HK$4,749/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,212/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,798
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,871
−HK$3,123/mo
Today · 4.125%
HK$104,994
baseline
▲ 0.50% · 4.625%
HK$111,382
+HK$6,388/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,988/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,912
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,860
−HK$2,990/mo
Today · 4.125%
HK$115,850
baseline
▲ 0.50% · 4.625%
HK$121,957
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,700/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,015 · Scale 2, in force from 26 Feb 2026)