LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,908
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,616
−HK$1,735/mo
Today · 4.125%
HK$58,351
baseline
▲ 0.50% · 4.625%
HK$61,901
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,702/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,084
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,722
−HK$1,662/mo
Today · 4.125%
HK$64,384
baseline
▲ 0.50% · 4.625%
HK$67,778
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,768/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,889
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,939
−HK$2,082/mo
Today · 4.125%
HK$70,021
baseline
▲ 0.50% · 4.625%
HK$74,282
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,042/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,301
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,267
−HK$1,994/mo
Today · 4.125%
HK$77,261
baseline
▲ 0.50% · 4.625%
HK$81,334
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,522/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,871
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,262
−HK$2,429/mo
Today · 4.125%
HK$81,691
baseline
▲ 0.50% · 4.625%
HK$86,662
+HK$4,971/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$163,382/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,518
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,811
−HK$2,327/mo
Today · 4.125%
HK$90,138
baseline
▲ 0.50% · 4.625%
HK$94,889
+HK$4,751/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$180,276/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,834
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$101,908
−HK$3,123/mo
Today · 4.125%
HK$105,031
baseline
▲ 0.50% · 4.625%
HK$111,422
+HK$6,391/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,062/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,952
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,900
−HK$2,992/mo
Today · 4.125%
HK$115,892
baseline
▲ 0.50% · 4.625%
HK$122,001
+HK$6,109/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,784/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,383 · Scale 2, in force from 26 Feb 2026)