LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,963
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,672
−HK$1,737/mo
Today · 4.125%
HK$58,409
baseline
▲ 0.50% · 4.625%
HK$61,964
+HK$3,555/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,818/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,146
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,785
−HK$1,664/mo
Today · 4.125%
HK$64,449
baseline
▲ 0.50% · 4.625%
HK$67,846
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,898/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,955
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$68,007
−HK$2,084/mo
Today · 4.125%
HK$70,091
baseline
▲ 0.50% · 4.625%
HK$74,356
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,182/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,375
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$75,343
−HK$1,996/mo
Today · 4.125%
HK$77,339
baseline
▲ 0.50% · 4.625%
HK$81,416
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,678/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,948
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,341
−HK$2,432/mo
Today · 4.125%
HK$81,773
baseline
▲ 0.50% · 4.625%
HK$86,749
+HK$4,976/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,546/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,604
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,900
−HK$2,329/mo
Today · 4.125%
HK$90,229
baseline
▲ 0.50% · 4.625%
HK$94,985
+HK$4,756/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,458/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,933
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$102,010
−HK$3,127/mo
Today · 4.125%
HK$105,137
baseline
▲ 0.50% · 4.625%
HK$111,534
+HK$6,397/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,274/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,062
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$113,014
−HK$2,994/mo
Today · 4.125%
HK$116,008
baseline
▲ 0.50% · 4.625%
HK$122,123
+HK$6,115/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$232,016/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,412 · Scale 2, in force from 26 Feb 2026)