LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,946
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,655
−HK$1,737/mo
Today · 4.125%
HK$58,392
baseline
▲ 0.50% · 4.625%
HK$61,945
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,784/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,127
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,767
−HK$1,663/mo
Today · 4.125%
HK$64,430
baseline
▲ 0.50% · 4.625%
HK$67,826
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,860/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,936
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,986
−HK$2,084/mo
Today · 4.125%
HK$70,070
baseline
▲ 0.50% · 4.625%
HK$74,334
+HK$4,264/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,140/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,353
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,320
−HK$1,996/mo
Today · 4.125%
HK$77,316
baseline
▲ 0.50% · 4.625%
HK$81,391
+HK$4,075/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,632/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,925
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,318
−HK$2,431/mo
Today · 4.125%
HK$81,749
baseline
▲ 0.50% · 4.625%
HK$86,723
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,498/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,578
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,873
−HK$2,329/mo
Today · 4.125%
HK$90,202
baseline
▲ 0.50% · 4.625%
HK$94,956
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,404/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,903
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,980
−HK$3,125/mo
Today · 4.125%
HK$105,105
baseline
▲ 0.50% · 4.625%
HK$111,501
+HK$6,396/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,210/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,029
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,980
−HK$2,993/mo
Today · 4.125%
HK$115,973
baseline
▲ 0.50% · 4.625%
HK$122,087
+HK$6,114/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,946/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,103 · Scale 2, in force from 26 Feb 2026)