LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,958
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,667
−HK$1,737/mo
Today · 4.125%
HK$58,404
baseline
▲ 0.50% · 4.625%
HK$61,958
+HK$3,554/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,808/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,140
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,780
−HK$1,663/mo
Today · 4.125%
HK$64,443
baseline
▲ 0.50% · 4.625%
HK$67,840
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,886/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,950
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$68,001
−HK$2,084/mo
Today · 4.125%
HK$70,085
baseline
▲ 0.50% · 4.625%
HK$74,350
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,170/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,368
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,336
−HK$1,996/mo
Today · 4.125%
HK$77,332
baseline
▲ 0.50% · 4.625%
HK$81,408
+HK$4,076/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,664/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,941
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,334
−HK$2,432/mo
Today · 4.125%
HK$81,766
baseline
▲ 0.50% · 4.625%
HK$86,741
+HK$4,975/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,532/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,596
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,892
−HK$2,329/mo
Today · 4.125%
HK$90,221
baseline
▲ 0.50% · 4.625%
HK$94,976
+HK$4,755/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,442/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,924
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,001
−HK$3,127/mo
Today · 4.125%
HK$105,128
baseline
▲ 0.50% · 4.625%
HK$111,525
+HK$6,397/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,256/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,052
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,004
−HK$2,994/mo
Today · 4.125%
HK$115,998
baseline
▲ 0.50% · 4.625%
HK$122,113
+HK$6,115/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,996/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,321 · Scale 2, in force from 26 Feb 2026)