LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,981
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,691
−HK$1,737/mo
Today · 4.125%
HK$58,428
baseline
▲ 0.50% · 4.625%
HK$61,984
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,856/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,165
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,806
−HK$1,664/mo
Today · 4.125%
HK$64,470
baseline
▲ 0.50% · 4.625%
HK$67,868
+HK$3,398/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,940/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,977
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,029
−HK$2,085/mo
Today · 4.125%
HK$70,114
baseline
▲ 0.50% · 4.625%
HK$74,380
+HK$4,266/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$140,228/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,398
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,367
−HK$1,997/mo
Today · 4.125%
HK$77,364
baseline
▲ 0.50% · 4.625%
HK$81,442
+HK$4,078/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$154,728/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,973
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,367
−HK$2,433/mo
Today · 4.125%
HK$81,800
baseline
▲ 0.50% · 4.625%
HK$86,777
+HK$4,977/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,600/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,631
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,928
−HK$2,330/mo
Today · 4.125%
HK$90,258
baseline
▲ 0.50% · 4.625%
HK$95,015
+HK$4,757/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,516/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,965
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,043
−HK$3,128/mo
Today · 4.125%
HK$105,171
baseline
▲ 0.50% · 4.625%
HK$111,570
+HK$6,399/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,342/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,098
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,050
−HK$2,996/mo
Today · 4.125%
HK$116,046
baseline
▲ 0.50% · 4.625%
HK$122,163
+HK$6,117/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,092/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,742 · Scale 2, in force from 26 Feb 2026)