LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,942
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,651
−HK$1,737/mo
Today · 4.125%
HK$58,388
baseline
▲ 0.50% · 4.625%
HK$61,941
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,776/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,123
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,762
−HK$1,663/mo
Today · 4.125%
HK$64,425
baseline
▲ 0.50% · 4.625%
HK$67,821
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,850/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,931
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,982
−HK$2,083/mo
Today · 4.125%
HK$70,065
baseline
▲ 0.50% · 4.625%
HK$74,329
+HK$4,264/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,130/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,347
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,315
−HK$1,995/mo
Today · 4.125%
HK$77,310
baseline
▲ 0.50% · 4.625%
HK$81,385
+HK$4,075/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,620/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,919
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,312
−HK$2,431/mo
Today · 4.125%
HK$81,743
baseline
▲ 0.50% · 4.625%
HK$86,717
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,486/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,572
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,867
−HK$2,328/mo
Today · 4.125%
HK$90,195
baseline
▲ 0.50% · 4.625%
HK$94,949
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,390/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,896
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,973
−HK$3,125/mo
Today · 4.125%
HK$105,098
baseline
▲ 0.50% · 4.625%
HK$111,493
+HK$6,395/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,196/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,021
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,972
−HK$2,993/mo
Today · 4.125%
HK$115,965
baseline
▲ 0.50% · 4.625%
HK$122,078
+HK$6,113/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,930/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,031 · Scale 2, in force from 26 Feb 2026)