LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,773
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,477
−HK$1,731/mo
Today · 4.125%
HK$58,208
baseline
▲ 0.50% · 4.625%
HK$61,749
+HK$3,541/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,416/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,934
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,569
−HK$1,657/mo
Today · 4.125%
HK$64,226
baseline
▲ 0.50% · 4.625%
HK$67,612
+HK$3,386/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$1,020,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,727
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,772
−HK$2,077/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$1,020,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,121
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,082
−HK$1,990/mo
Today · 4.125%
HK$77,072
baseline
▲ 0.50% · 4.625%
HK$81,134
+HK$4,062/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,144/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,682
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,067
−HK$2,424/mo
Today · 4.125%
HK$81,491
baseline
▲ 0.50% · 4.625%
HK$86,449
+HK$4,958/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$162,982/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,308
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,596
−HK$2,321/mo
Today · 4.125%
HK$89,917
baseline
▲ 0.50% · 4.625%
HK$94,657
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$179,834/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,591
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,658
−HK$3,116/mo
Today · 4.125%
HK$104,774
baseline
▲ 0.50% · 4.625%
HK$111,149
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,548/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,682
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,623
−HK$2,984/mo
Today · 4.125%
HK$115,607
baseline
▲ 0.50% · 4.625%
HK$121,701
+HK$6,094/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,214/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,872 · Scale 2, in force from 26 Feb 2026)