LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,953
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,662
−HK$1,737/mo
Today · 4.125%
HK$58,399
baseline
▲ 0.50% · 4.625%
HK$61,952
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,798/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,134
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,774
−HK$1,663/mo
Today · 4.125%
HK$64,437
baseline
▲ 0.50% · 4.625%
HK$67,834
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,874/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,943
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$67,995
−HK$2,084/mo
Today · 4.125%
HK$70,079
baseline
▲ 0.50% · 4.625%
HK$74,343
+HK$4,264/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,158/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,361
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,329
−HK$1,996/mo
Today · 4.125%
HK$77,325
baseline
▲ 0.50% · 4.625%
HK$81,401
+HK$4,076/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,650/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,934
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,327
−HK$2,431/mo
Today · 4.125%
HK$81,758
baseline
▲ 0.50% · 4.625%
HK$86,733
+HK$4,975/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,516/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,588
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,884
−HK$2,328/mo
Today · 4.125%
HK$90,212
baseline
▲ 0.50% · 4.625%
HK$94,968
+HK$4,756/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,424/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,915
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,992
−HK$3,126/mo
Today · 4.125%
HK$105,118
baseline
▲ 0.50% · 4.625%
HK$111,514
+HK$6,396/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,236/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,042
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,993
−HK$2,994/mo
Today · 4.125%
HK$115,987
baseline
▲ 0.50% · 4.625%
HK$122,101
+HK$6,114/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,974/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,225 · Scale 2, in force from 26 Feb 2026)