LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,904
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,612
−HK$1,735/mo
Today · 4.125%
HK$58,347
baseline
▲ 0.50% · 4.625%
HK$61,898
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,694/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,081
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,719
−HK$1,662/mo
Today · 4.125%
HK$64,381
baseline
▲ 0.50% · 4.625%
HK$67,774
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,762/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,885
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,935
−HK$2,082/mo
Today · 4.125%
HK$70,017
baseline
▲ 0.50% · 4.625%
HK$74,277
+HK$4,260/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,034/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,297
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,263
−HK$1,994/mo
Today · 4.125%
HK$77,257
baseline
▲ 0.50% · 4.625%
HK$81,329
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,514/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,866
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,257
−HK$2,429/mo
Today · 4.125%
HK$81,686
baseline
▲ 0.50% · 4.625%
HK$86,657
+HK$4,971/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,372/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,513
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,806
−HK$2,327/mo
Today · 4.125%
HK$90,133
baseline
▲ 0.50% · 4.625%
HK$94,884
+HK$4,751/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,266/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,828
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,902
−HK$3,123/mo
Today · 4.125%
HK$105,025
baseline
▲ 0.50% · 4.625%
HK$111,416
+HK$6,391/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,050/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,945
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,894
−HK$2,991/mo
Today · 4.125%
HK$115,885
baseline
▲ 0.50% · 4.625%
HK$121,994
+HK$6,109/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,770/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,323 · Scale 2, in force from 26 Feb 2026)