LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,670
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,370
−HK$1,728/mo
Today · 4.125%
HK$58,098
baseline
▲ 0.50% · 4.625%
HK$61,633
+HK$3,535/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,196/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,018,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,820
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,451
−HK$1,655/mo
Today · 4.125%
HK$64,106
baseline
▲ 0.50% · 4.625%
HK$67,485
+HK$3,379/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,212/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,018,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,604
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,644
−HK$2,074/mo
Today · 4.125%
HK$69,718
baseline
▲ 0.50% · 4.625%
HK$73,960
+HK$4,242/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,436/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,984
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,941
−HK$1,986/mo
Today · 4.125%
HK$76,927
baseline
▲ 0.50% · 4.625%
HK$80,982
+HK$4,055/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,854/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,538
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,919
−HK$2,418/mo
Today · 4.125%
HK$81,337
baseline
▲ 0.50% · 4.625%
HK$86,287
+HK$4,950/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,674/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,148
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,431
−HK$2,317/mo
Today · 4.125%
HK$89,748
baseline
▲ 0.50% · 4.625%
HK$94,479
+HK$4,731/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,496/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,406
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,467
−HK$3,110/mo
Today · 4.125%
HK$104,577
baseline
▲ 0.50% · 4.625%
HK$110,940
+HK$6,363/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,154/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,475
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$112,411
−HK$2,979/mo
Today · 4.125%
HK$115,390
baseline
▲ 0.50% · 4.625%
HK$121,472
+HK$6,082/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,780/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,951 · Scale 2, in force from 26 Feb 2026)