LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,893
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,600
−HK$1,735/mo
Today · 4.125%
HK$58,335
baseline
▲ 0.50% · 4.625%
HK$61,885
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,670/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,068
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,706
−HK$1,661/mo
Today · 4.125%
HK$64,367
baseline
▲ 0.50% · 4.625%
HK$67,760
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,734/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,871
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,920
−HK$2,082/mo
Today · 4.125%
HK$70,002
baseline
▲ 0.50% · 4.625%
HK$74,262
+HK$4,260/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$140,004/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,281
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,247
−HK$1,994/mo
Today · 4.125%
HK$77,241
baseline
▲ 0.50% · 4.625%
HK$81,312
+HK$4,071/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,482/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,850
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,241
−HK$2,428/mo
Today · 4.125%
HK$81,669
baseline
▲ 0.50% · 4.625%
HK$86,639
+HK$4,970/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,338/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,495
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,788
−HK$2,326/mo
Today · 4.125%
HK$90,114
baseline
▲ 0.50% · 4.625%
HK$94,864
+HK$4,750/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,228/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,807
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,881
−HK$3,122/mo
Today · 4.125%
HK$105,003
baseline
▲ 0.50% · 4.625%
HK$111,393
+HK$6,390/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,006/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,922
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,870
−HK$2,991/mo
Today · 4.125%
HK$115,861
baseline
▲ 0.50% · 4.625%
HK$121,968
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,722/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,109 · Scale 2, in force from 26 Feb 2026)