LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,770
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,473
−HK$1,731/mo
Today · 4.125%
HK$58,204
baseline
▲ 0.50% · 4.625%
HK$61,746
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,408/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,931
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,565
−HK$1,658/mo
Today · 4.125%
HK$64,223
baseline
▲ 0.50% · 4.625%
HK$67,608
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,446/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,724
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,768
−HK$2,077/mo
Today · 4.125%
HK$69,845
baseline
▲ 0.50% · 4.625%
HK$74,095
+HK$4,250/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,690/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,117
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,078
−HK$1,989/mo
Today · 4.125%
HK$77,067
baseline
▲ 0.50% · 4.625%
HK$81,130
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,134/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,678
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,063
−HK$2,423/mo
Today · 4.125%
HK$81,486
baseline
▲ 0.50% · 4.625%
HK$86,444
+HK$4,958/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$162,972/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,303
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,591
−HK$2,321/mo
Today · 4.125%
HK$89,912
baseline
▲ 0.50% · 4.625%
HK$94,651
+HK$4,739/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$179,824/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,586
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,652
−HK$3,116/mo
Today · 4.125%
HK$104,768
baseline
▲ 0.50% · 4.625%
HK$111,143
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,536/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,676
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,617
−HK$2,984/mo
Today · 4.125%
HK$115,601
baseline
▲ 0.50% · 4.625%
HK$121,695
+HK$6,094/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,202/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,815 · Scale 2, in force from 26 Feb 2026)