LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,889
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,597
−HK$1,734/mo
Today · 4.125%
HK$58,331
baseline
▲ 0.50% · 4.625%
HK$61,881
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,662/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,064
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,702
−HK$1,661/mo
Today · 4.125%
HK$64,363
baseline
▲ 0.50% · 4.625%
HK$67,756
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,726/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,867
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,916
−HK$2,082/mo
Today · 4.125%
HK$69,998
baseline
▲ 0.50% · 4.625%
HK$74,257
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,996/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,277
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,242
−HK$1,993/mo
Today · 4.125%
HK$77,235
baseline
▲ 0.50% · 4.625%
HK$81,307
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,470/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,845
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,235
−HK$2,429/mo
Today · 4.125%
HK$81,664
baseline
▲ 0.50% · 4.625%
HK$86,633
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,328/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,489
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,782
−HK$2,326/mo
Today · 4.125%
HK$90,108
baseline
▲ 0.50% · 4.625%
HK$94,858
+HK$4,750/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,216/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,801
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,874
−HK$3,122/mo
Today · 4.125%
HK$104,996
baseline
▲ 0.50% · 4.625%
HK$111,385
+HK$6,389/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,992/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,915
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,863
−HK$2,990/mo
Today · 4.125%
HK$115,853
baseline
▲ 0.50% · 4.625%
HK$121,960
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,706/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,042 · Scale 2, in force from 26 Feb 2026)