LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,772
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,476
−HK$1,731/mo
Today · 4.125%
HK$58,207
baseline
▲ 0.50% · 4.625%
HK$61,749
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,414/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,934
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,568
−HK$1,658/mo
Today · 4.125%
HK$64,226
baseline
▲ 0.50% · 4.625%
HK$67,611
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,452/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,727
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,771
−HK$2,078/mo
Today · 4.125%
HK$69,849
baseline
▲ 0.50% · 4.625%
HK$74,099
+HK$4,250/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,698/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,121
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$75,082
−HK$1,989/mo
Today · 4.125%
HK$77,071
baseline
▲ 0.50% · 4.625%
HK$81,133
+HK$4,062/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,142/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,681
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,067
−HK$2,423/mo
Today · 4.125%
HK$81,490
baseline
▲ 0.50% · 4.625%
HK$86,448
+HK$4,958/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$162,980/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,307
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,595
−HK$2,321/mo
Today · 4.125%
HK$89,916
baseline
▲ 0.50% · 4.625%
HK$94,656
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$179,832/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,590
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,657
−HK$3,116/mo
Today · 4.125%
HK$104,773
baseline
▲ 0.50% · 4.625%
HK$111,148
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,546/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,681
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,622
−HK$2,984/mo
Today · 4.125%
HK$115,606
baseline
▲ 0.50% · 4.625%
HK$121,700
+HK$6,094/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,212/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,863 · Scale 2, in force from 26 Feb 2026)