LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,759
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,462
−HK$1,731/mo
Today · 4.125%
HK$58,193
baseline
▲ 0.50% · 4.625%
HK$61,734
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,386/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,919
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,552
−HK$1,658/mo
Today · 4.125%
HK$64,210
baseline
▲ 0.50% · 4.625%
HK$67,594
+HK$3,384/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,420/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,711
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$67,755
−HK$2,076/mo
Today · 4.125%
HK$69,831
baseline
▲ 0.50% · 4.625%
HK$74,080
+HK$4,249/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,662/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,102
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,063
−HK$1,989/mo
Today · 4.125%
HK$77,052
baseline
▲ 0.50% · 4.625%
HK$81,113
+HK$4,061/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,104/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,662
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,047
−HK$2,423/mo
Today · 4.125%
HK$81,470
baseline
▲ 0.50% · 4.625%
HK$86,427
+HK$4,957/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$162,940/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,286
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,573
−HK$2,321/mo
Today · 4.125%
HK$89,894
baseline
▲ 0.50% · 4.625%
HK$94,632
+HK$4,738/mo
Deposit HK$7.20M · loan HK$16.81M · min. income ≈ HK$179,788/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,020,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,566
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,632
−HK$3,115/mo
Today · 4.125%
HK$104,747
baseline
▲ 0.50% · 4.625%
HK$111,120
+HK$6,373/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$209,494/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,653
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,594
−HK$2,984/mo
Today · 4.125%
HK$115,578
baseline
▲ 0.50% · 4.625%
HK$121,670
+HK$6,092/mo
Deposit HK$2.40M · loan HK$21.61M · min. income ≈ HK$231,156/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,609 · Scale 2, in force from 26 Feb 2026)