LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,892
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,599
−HK$1,735/mo
Today · 4.125%
HK$58,334
baseline
▲ 0.50% · 4.625%
HK$61,884
+HK$3,550/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$1,023,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,067
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,705
−HK$1,661/mo
Today · 4.125%
HK$64,366
baseline
▲ 0.50% · 4.625%
HK$67,759
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,732/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,870
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,919
−HK$2,082/mo
Today · 4.125%
HK$70,001
baseline
▲ 0.50% · 4.625%
HK$74,260
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$140,002/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,280
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,245
−HK$1,994/mo
Today · 4.125%
HK$77,239
baseline
▲ 0.50% · 4.625%
HK$81,311
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,478/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,849
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,239
−HK$2,429/mo
Today · 4.125%
HK$81,668
baseline
▲ 0.50% · 4.625%
HK$86,637
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,336/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,023,091 · 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$94,862
+HK$4,750/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$1,023,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,806
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,879
−HK$3,122/mo
Today · 4.125%
HK$105,001
baseline
▲ 0.50% · 4.625%
HK$111,391
+HK$6,390/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$1,023,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,920
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,868
−HK$2,991/mo
Today · 4.125%
HK$115,859
baseline
▲ 0.50% · 4.625%
HK$121,966
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,718/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,091 · Scale 2, in force from 26 Feb 2026)