LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,974
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,684
−HK$1,738/mo
Today · 4.125%
HK$58,422
baseline
▲ 0.50% · 4.625%
HK$61,977
+HK$3,555/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,844/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,158
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,799
−HK$1,664/mo
Today · 4.125%
HK$64,463
baseline
▲ 0.50% · 4.625%
HK$67,861
+HK$3,398/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,926/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,627 · 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$74,372
+HK$4,266/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$1,024,627 · 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$81,433
+HK$4,078/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$1,024,627 · 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$1,024,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,622
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,918
−HK$2,330/mo
Today · 4.125%
HK$90,248
baseline
▲ 0.50% · 4.625%
HK$95,005
+HK$4,757/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,496/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,954
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$102,032
−HK$3,127/mo
Today · 4.125%
HK$105,159
baseline
▲ 0.50% · 4.625%
HK$111,558
+HK$6,399/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$1,024,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,085
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,038
−HK$2,995/mo
Today · 4.125%
HK$116,033
baseline
▲ 0.50% · 4.625%
HK$122,149
+HK$6,116/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,066/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,627 · Scale 2, in force from 26 Feb 2026)