LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,768
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,471
−HK$1,731/mo
Today · 4.125%
HK$58,202
baseline
▲ 0.50% · 4.625%
HK$61,744
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,404/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,929
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,563
−HK$1,657/mo
Today · 4.125%
HK$64,220
baseline
▲ 0.50% · 4.625%
HK$67,606
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,440/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,721
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,766
−HK$2,077/mo
Today · 4.125%
HK$69,843
baseline
▲ 0.50% · 4.625%
HK$74,092
+HK$4,249/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,686/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,114
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,075
−HK$1,989/mo
Today · 4.125%
HK$77,064
baseline
▲ 0.50% · 4.625%
HK$81,127
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,128/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,675
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,060
−HK$2,423/mo
Today · 4.125%
HK$81,483
baseline
▲ 0.50% · 4.625%
HK$86,441
+HK$4,958/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$162,966/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,300
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,588
−HK$2,321/mo
Today · 4.125%
HK$89,909
baseline
▲ 0.50% · 4.625%
HK$94,648
+HK$4,739/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$179,818/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,582
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,648
−HK$3,116/mo
Today · 4.125%
HK$104,764
baseline
▲ 0.50% · 4.625%
HK$111,139
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,528/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,672
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,613
−HK$2,984/mo
Today · 4.125%
HK$115,597
baseline
▲ 0.50% · 4.625%
HK$121,690
+HK$6,093/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,194/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,777 · Scale 2, in force from 26 Feb 2026)