LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,775
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,478
−HK$1,731/mo
Today · 4.125%
HK$58,209
baseline
▲ 0.50% · 4.625%
HK$61,751
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,418/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,936
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,570
−HK$1,658/mo
Today · 4.125%
HK$64,228
baseline
▲ 0.50% · 4.625%
HK$67,614
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,456/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,730
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$67,774
−HK$2,077/mo
Today · 4.125%
HK$69,851
baseline
▲ 0.50% · 4.625%
HK$74,102
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,702/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,123
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,085
−HK$1,989/mo
Today · 4.125%
HK$77,074
baseline
▲ 0.50% · 4.625%
HK$81,137
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,148/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,684
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,070
−HK$2,423/mo
Today · 4.125%
HK$81,493
baseline
▲ 0.50% · 4.625%
HK$86,452
+HK$4,959/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$162,986/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,311
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,599
−HK$2,321/mo
Today · 4.125%
HK$89,920
baseline
▲ 0.50% · 4.625%
HK$94,660
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.81M · min. income ≈ HK$179,840/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,594
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,661
−HK$3,116/mo
Today · 4.125%
HK$104,777
baseline
▲ 0.50% · 4.625%
HK$111,152
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,554/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,685
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,627
−HK$2,984/mo
Today · 4.125%
HK$115,611
baseline
▲ 0.50% · 4.625%
HK$121,705
+HK$6,094/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,222/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,903 · Scale 2, in force from 26 Feb 2026)