LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,953
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,663
−HK$1,736/mo
Today · 4.125%
HK$58,399
baseline
▲ 0.50% · 4.625%
HK$61,953
+HK$3,554/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$1,024,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,135
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,774
−HK$1,664/mo
Today · 4.125%
HK$64,438
baseline
▲ 0.50% · 4.625%
HK$67,834
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,876/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,944
−HK$4,135/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$1,024,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,362
−HK$3,963/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$1,024,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,934
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,328
−HK$2,431/mo
Today · 4.125%
HK$81,759
baseline
▲ 0.50% · 4.625%
HK$86,734
+HK$4,975/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,518/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,589
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,884
−HK$2,329/mo
Today · 4.125%
HK$90,213
baseline
▲ 0.50% · 4.625%
HK$94,968
+HK$4,755/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,426/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,916
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,993
−HK$3,126/mo
Today · 4.125%
HK$105,119
baseline
▲ 0.50% · 4.625%
HK$111,515
+HK$6,396/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,238/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,043
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,994
−HK$2,994/mo
Today · 4.125%
HK$115,988
baseline
▲ 0.50% · 4.625%
HK$122,102
+HK$6,114/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,976/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,232 · Scale 2, in force from 26 Feb 2026)