LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,755
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,458
−HK$1,731/mo
Today · 4.125%
HK$58,189
baseline
▲ 0.50% · 4.625%
HK$61,729
+HK$3,540/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,378/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,914
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,548
−HK$1,657/mo
Today · 4.125%
HK$64,205
baseline
▲ 0.50% · 4.625%
HK$67,590
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,410/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,706
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,750
−HK$2,076/mo
Today · 4.125%
HK$69,826
baseline
▲ 0.50% · 4.625%
HK$74,075
+HK$4,249/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,652/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,097
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$75,058
−HK$1,988/mo
Today · 4.125%
HK$77,046
baseline
▲ 0.50% · 4.625%
HK$81,108
+HK$4,062/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,092/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,657
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,041
−HK$2,423/mo
Today · 4.125%
HK$81,464
baseline
▲ 0.50% · 4.625%
HK$86,421
+HK$4,957/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,928/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,280
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,567
−HK$2,321/mo
Today · 4.125%
HK$89,888
baseline
▲ 0.50% · 4.625%
HK$94,626
+HK$4,738/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,776/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,559
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,625
−HK$3,114/mo
Today · 4.125%
HK$104,739
baseline
▲ 0.50% · 4.625%
HK$111,113
+HK$6,374/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,478/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,646
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,587
−HK$2,983/mo
Today · 4.125%
HK$115,570
baseline
▲ 0.50% · 4.625%
HK$121,662
+HK$6,092/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,140/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,538 · Scale 2, in force from 26 Feb 2026)