LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,905
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,613
−HK$1,736/mo
Today · 4.125%
HK$58,349
baseline
▲ 0.50% · 4.625%
HK$61,899
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,698/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,082
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,720
−HK$1,662/mo
Today · 4.125%
HK$64,382
baseline
▲ 0.50% · 4.625%
HK$67,776
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,764/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,887
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,936
−HK$2,082/mo
Today · 4.125%
HK$70,018
baseline
▲ 0.50% · 4.625%
HK$74,279
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,036/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,298
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,264
−HK$1,994/mo
Today · 4.125%
HK$77,258
baseline
▲ 0.50% · 4.625%
HK$81,331
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,516/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,868
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,259
−HK$2,429/mo
Today · 4.125%
HK$81,688
baseline
▲ 0.50% · 4.625%
HK$86,658
+HK$4,970/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$163,376/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,515
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,808
−HK$2,327/mo
Today · 4.125%
HK$90,135
baseline
▲ 0.50% · 4.625%
HK$94,886
+HK$4,751/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$180,270/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,830
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,904
−HK$3,123/mo
Today · 4.125%
HK$105,027
baseline
▲ 0.50% · 4.625%
HK$111,418
+HK$6,391/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,054/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,947
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,896
−HK$2,991/mo
Today · 4.125%
HK$115,887
baseline
▲ 0.50% · 4.625%
HK$121,996
+HK$6,109/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,774/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,343 · Scale 2, in force from 26 Feb 2026)