LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,780
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,484
−HK$1,731/mo
Today · 4.125%
HK$58,215
baseline
▲ 0.50% · 4.625%
HK$61,757
+HK$3,542/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,430/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,020,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,942
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,576
−HK$1,658/mo
Today · 4.125%
HK$64,234
baseline
▲ 0.50% · 4.625%
HK$67,620
+HK$3,386/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$1,020,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,736
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,780
−HK$2,078/mo
Today · 4.125%
HK$69,858
baseline
▲ 0.50% · 4.625%
HK$74,108
+HK$4,250/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$139,716/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,130
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,091
−HK$1,990/mo
Today · 4.125%
HK$77,081
baseline
▲ 0.50% · 4.625%
HK$81,144
+HK$4,063/mo
Deposit HK$9.61M · loan HK$14.41M · min. income ≈ HK$154,162/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,020,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,691
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,077
−HK$2,424/mo
Today · 4.125%
HK$81,501
baseline
▲ 0.50% · 4.625%
HK$86,460
+HK$4,959/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,002/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,318
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,607
−HK$2,321/mo
Today · 4.125%
HK$89,928
baseline
▲ 0.50% · 4.625%
HK$94,668
+HK$4,740/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,856/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,020,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,603
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,670
−HK$3,117/mo
Today · 4.125%
HK$104,787
baseline
▲ 0.50% · 4.625%
HK$111,163
+HK$6,376/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,574/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,695
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,637
−HK$2,985/mo
Today · 4.125%
HK$115,622
baseline
▲ 0.50% · 4.625%
HK$121,716
+HK$6,094/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,244/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,020,997 · Scale 2, in force from 26 Feb 2026)