LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,948
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,657
−HK$1,737/mo
Today · 4.125%
HK$58,394
baseline
▲ 0.50% · 4.625%
HK$61,947
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,788/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,129
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,768
−HK$1,664/mo
Today · 4.125%
HK$64,432
baseline
▲ 0.50% · 4.625%
HK$67,828
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,864/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,937
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,988
−HK$2,084/mo
Today · 4.125%
HK$70,072
baseline
▲ 0.50% · 4.625%
HK$74,336
+HK$4,264/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,144/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,355
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,322
−HK$1,996/mo
Today · 4.125%
HK$77,318
baseline
▲ 0.50% · 4.625%
HK$81,393
+HK$4,075/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,636/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,927
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,320
−HK$2,431/mo
Today · 4.125%
HK$81,751
baseline
▲ 0.50% · 4.625%
HK$86,725
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,502/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,581
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,876
−HK$2,328/mo
Today · 4.125%
HK$90,204
baseline
▲ 0.50% · 4.625%
HK$94,959
+HK$4,755/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,408/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,906
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,983
−HK$3,125/mo
Today · 4.125%
HK$105,108
baseline
▲ 0.50% · 4.625%
HK$111,504
+HK$6,396/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,216/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,032
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,983
−HK$2,994/mo
Today · 4.125%
HK$115,977
baseline
▲ 0.50% · 4.625%
HK$122,090
+HK$6,113/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,954/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,133 · Scale 2, in force from 26 Feb 2026)