LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,891
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,599
−HK$1,735/mo
Today · 4.125%
HK$58,334
baseline
▲ 0.50% · 4.625%
HK$61,883
+HK$3,549/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,668/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,066
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,704
−HK$1,661/mo
Today · 4.125%
HK$64,365
baseline
▲ 0.50% · 4.625%
HK$67,758
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,730/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,870
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,919
−HK$2,081/mo
Today · 4.125%
HK$70,000
baseline
▲ 0.50% · 4.625%
HK$74,260
+HK$4,260/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$140,000/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,279
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,245
−HK$1,993/mo
Today · 4.125%
HK$77,238
baseline
▲ 0.50% · 4.625%
HK$81,310
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,476/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,848
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,238
−HK$2,429/mo
Today · 4.125%
HK$81,667
baseline
▲ 0.50% · 4.625%
HK$86,636
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,334/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,493
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,786
−HK$2,326/mo
Today · 4.125%
HK$90,112
baseline
▲ 0.50% · 4.625%
HK$94,861
+HK$4,749/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,224/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,805
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,878
−HK$3,123/mo
Today · 4.125%
HK$105,001
baseline
▲ 0.50% · 4.625%
HK$111,390
+HK$6,389/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,002/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,919
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,867
−HK$2,991/mo
Today · 4.125%
HK$115,858
baseline
▲ 0.50% · 4.625%
HK$121,965
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,716/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,081 · Scale 2, in force from 26 Feb 2026)