LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,779
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,483
−HK$1,731/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$1,020,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,941
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,576
−HK$1,658/mo
Today · 4.125%
HK$64,234
baseline
▲ 0.50% · 4.625%
HK$67,619
+HK$3,385/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,468/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,735
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,780
−HK$2,077/mo
Today · 4.125%
HK$69,857
baseline
▲ 0.50% · 4.625%
HK$74,108
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,714/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,129
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,091
−HK$1,989/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$1,020,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,691
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,076
−HK$2,424/mo
Today · 4.125%
HK$81,500
baseline
▲ 0.50% · 4.625%
HK$86,459
+HK$4,959/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,000/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,318
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,606
−HK$2,321/mo
Today · 4.125%
HK$89,927
baseline
▲ 0.50% · 4.625%
HK$94,667
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,854/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,602
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,669
−HK$3,117/mo
Today · 4.125%
HK$104,786
baseline
▲ 0.50% · 4.625%
HK$111,162
+HK$6,376/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,572/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,694
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,636
−HK$2,985/mo
Today · 4.125%
HK$115,621
baseline
▲ 0.50% · 4.625%
HK$121,715
+HK$6,094/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,242/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,987 · Scale 2, in force from 26 Feb 2026)