LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,974
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,684
−HK$1,737/mo
Today · 4.125%
HK$58,421
baseline
▲ 0.50% · 4.625%
HK$61,976
+HK$3,555/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,842/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,158
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,798
−HK$1,664/mo
Today · 4.125%
HK$64,462
baseline
▲ 0.50% · 4.625%
HK$67,860
+HK$3,398/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,924/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,969
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,021
−HK$2,085/mo
Today · 4.125%
HK$70,106
baseline
▲ 0.50% · 4.625%
HK$74,371
+HK$4,265/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$140,212/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,390
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,358
−HK$1,997/mo
Today · 4.125%
HK$77,355
baseline
▲ 0.50% · 4.625%
HK$81,432
+HK$4,077/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$154,710/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,964
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,358
−HK$2,432/mo
Today · 4.125%
HK$81,790
baseline
▲ 0.50% · 4.625%
HK$86,767
+HK$4,977/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,580/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,621
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,918
−HK$2,329/mo
Today · 4.125%
HK$90,247
baseline
▲ 0.50% · 4.625%
HK$95,004
+HK$4,757/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,494/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,953
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,031
−HK$3,128/mo
Today · 4.125%
HK$105,159
baseline
▲ 0.50% · 4.625%
HK$111,557
+HK$6,398/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,318/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,085
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$113,037
−HK$2,995/mo
Today · 4.125%
HK$116,032
baseline
▲ 0.50% · 4.625%
HK$122,148
+HK$6,116/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,064/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,621 · Scale 2, in force from 26 Feb 2026)