LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,957
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,666
−HK$1,737/mo
Today · 4.125%
HK$58,403
baseline
▲ 0.50% · 4.625%
HK$61,957
+HK$3,554/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,806/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,139
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,779
−HK$1,663/mo
Today · 4.125%
HK$64,442
baseline
▲ 0.50% · 4.625%
HK$67,839
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,884/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,948
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,000
−HK$2,084/mo
Today · 4.125%
HK$70,084
baseline
▲ 0.50% · 4.625%
HK$74,348
+HK$4,264/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,168/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,367
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,334
−HK$1,997/mo
Today · 4.125%
HK$77,331
baseline
▲ 0.50% · 4.625%
HK$81,407
+HK$4,076/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,662/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,940
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,333
−HK$2,431/mo
Today · 4.125%
HK$81,764
baseline
▲ 0.50% · 4.625%
HK$86,740
+HK$4,976/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,528/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,595
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,890
−HK$2,329/mo
Today · 4.125%
HK$90,219
baseline
▲ 0.50% · 4.625%
HK$94,974
+HK$4,755/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,438/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,922
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$101,999
−HK$3,127/mo
Today · 4.125%
HK$105,126
baseline
▲ 0.50% · 4.625%
HK$111,522
+HK$6,396/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,252/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,050
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,002
−HK$2,994/mo
Today · 4.125%
HK$115,996
baseline
▲ 0.50% · 4.625%
HK$122,110
+HK$6,114/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,992/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,300 · Scale 2, in force from 26 Feb 2026)