LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,984
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,694
−HK$1,738/mo
Today · 4.125%
HK$58,432
baseline
▲ 0.50% · 4.625%
HK$61,987
+HK$3,555/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,864/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,169
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,809
−HK$1,665/mo
Today · 4.125%
HK$64,474
baseline
▲ 0.50% · 4.625%
HK$67,872
+HK$3,398/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,948/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,981
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,033
−HK$2,085/mo
Today · 4.125%
HK$70,118
baseline
▲ 0.50% · 4.625%
HK$74,385
+HK$4,267/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,236/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,403
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$75,371
−HK$1,997/mo
Today · 4.125%
HK$77,368
baseline
▲ 0.50% · 4.625%
HK$81,447
+HK$4,079/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,736/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,977
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,372
−HK$2,433/mo
Today · 4.125%
HK$81,805
baseline
▲ 0.50% · 4.625%
HK$86,782
+HK$4,977/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,610/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,637
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,933
−HK$2,330/mo
Today · 4.125%
HK$90,263
baseline
▲ 0.50% · 4.625%
HK$95,021
+HK$4,758/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,526/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,971
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,049
−HK$3,128/mo
Today · 4.125%
HK$105,177
baseline
▲ 0.50% · 4.625%
HK$111,577
+HK$6,400/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,354/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,104
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,057
−HK$2,996/mo
Today · 4.125%
HK$116,053
baseline
▲ 0.50% · 4.625%
HK$122,170
+HK$6,117/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,106/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,803 · Scale 2, in force from 26 Feb 2026)