LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,898
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,606
−HK$1,735/mo
Today · 4.125%
HK$58,341
baseline
▲ 0.50% · 4.625%
HK$61,891
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,682/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,074
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,712
−HK$1,661/mo
Today · 4.125%
HK$64,373
baseline
▲ 0.50% · 4.625%
HK$67,766
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,746/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,878
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,927
−HK$2,082/mo
Today · 4.125%
HK$70,009
baseline
▲ 0.50% · 4.625%
HK$74,269
+HK$4,260/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,018/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,288
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,254
−HK$1,994/mo
Today · 4.125%
HK$77,248
baseline
▲ 0.50% · 4.625%
HK$81,320
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,496/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,857
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,248
−HK$2,429/mo
Today · 4.125%
HK$81,677
baseline
▲ 0.50% · 4.625%
HK$86,647
+HK$4,970/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,354/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,503
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,796
−HK$2,327/mo
Today · 4.125%
HK$90,123
baseline
▲ 0.50% · 4.625%
HK$94,873
+HK$4,750/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,246/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,817
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,890
−HK$3,123/mo
Today · 4.125%
HK$105,013
baseline
▲ 0.50% · 4.625%
HK$111,403
+HK$6,390/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,026/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,933
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,881
−HK$2,991/mo
Today · 4.125%
HK$115,872
baseline
▲ 0.50% · 4.625%
HK$121,980
+HK$6,108/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,744/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,207 · Scale 2, in force from 26 Feb 2026)