LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,770
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,474
−HK$1,731/mo
Today · 4.125%
HK$58,205
baseline
▲ 0.50% · 4.625%
HK$61,746
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,410/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,931
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,566
−HK$1,657/mo
Today · 4.125%
HK$64,223
baseline
▲ 0.50% · 4.625%
HK$67,609
+HK$3,386/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$1,020,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,724
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,769
−HK$2,077/mo
Today · 4.125%
HK$69,846
baseline
▲ 0.50% · 4.625%
HK$74,096
+HK$4,250/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,692/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,118
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,079
−HK$1,989/mo
Today · 4.125%
HK$77,068
baseline
▲ 0.50% · 4.625%
HK$81,130
+HK$4,062/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,136/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,678
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,064
−HK$2,423/mo
Today · 4.125%
HK$81,487
baseline
▲ 0.50% · 4.625%
HK$86,445
+HK$4,958/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$162,974/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,304
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,592
−HK$2,321/mo
Today · 4.125%
HK$89,913
baseline
▲ 0.50% · 4.625%
HK$94,652
+HK$4,739/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$179,826/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,586
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,653
−HK$3,116/mo
Today · 4.125%
HK$104,769
baseline
▲ 0.50% · 4.625%
HK$111,144
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,538/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,676
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,618
−HK$2,984/mo
Today · 4.125%
HK$115,602
baseline
▲ 0.50% · 4.625%
HK$121,696
+HK$6,094/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,204/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,823 · Scale 2, in force from 26 Feb 2026)