LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,779
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,482
−HK$1,732/mo
Today · 4.125%
HK$58,214
baseline
▲ 0.50% · 4.625%
HK$61,756
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,428/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,941
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,575
−HK$1,658/mo
Today · 4.125%
HK$64,233
baseline
▲ 0.50% · 4.625%
HK$67,619
+HK$3,386/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,466/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,734
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,779
−HK$2,077/mo
Today · 4.125%
HK$69,856
baseline
▲ 0.50% · 4.625%
HK$74,107
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,712/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,129
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,090
−HK$1,990/mo
Today · 4.125%
HK$77,080
baseline
▲ 0.50% · 4.625%
HK$81,143
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,160/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,690
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,075
−HK$2,424/mo
Today · 4.125%
HK$81,499
baseline
▲ 0.50% · 4.625%
HK$86,458
+HK$4,959/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$162,998/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,317
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,605
−HK$2,321/mo
Today · 4.125%
HK$89,926
baseline
▲ 0.50% · 4.625%
HK$94,666
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,852/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,601
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,668
−HK$3,117/mo
Today · 4.125%
HK$104,785
baseline
▲ 0.50% · 4.625%
HK$111,160
+HK$6,375/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,570/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,693
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,635
−HK$2,984/mo
Today · 4.125%
HK$115,619
baseline
▲ 0.50% · 4.625%
HK$121,714
+HK$6,095/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,238/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,977 · Scale 2, in force from 26 Feb 2026)