LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,785
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,489
−HK$1,731/mo
Today · 4.125%
HK$58,220
baseline
▲ 0.50% · 4.625%
HK$61,763
+HK$3,543/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$116,440/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,948
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,582
−HK$1,658/mo
Today · 4.125%
HK$64,240
baseline
▲ 0.50% · 4.625%
HK$67,627
+HK$3,387/mo
Deposit HK$12.01M · loan HK$12.01M · min. income ≈ HK$128,480/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,021,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,742
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,787
−HK$2,077/mo
Today · 4.125%
HK$69,864
baseline
▲ 0.50% · 4.625%
HK$74,115
+HK$4,251/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$139,728/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,137
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,099
−HK$1,989/mo
Today · 4.125%
HK$77,088
baseline
▲ 0.50% · 4.625%
HK$81,152
+HK$4,064/mo
Deposit HK$9.61M · loan HK$14.42M · min. income ≈ HK$154,176/mo (50% DSR)
Upfront cash ≈ HK$10.63M (deposit + AVD stamp duty HK$1,021,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,699
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,084
−HK$2,424/mo
Today · 4.125%
HK$81,508
baseline
▲ 0.50% · 4.625%
HK$86,468
+HK$4,960/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$163,016/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,327
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,615
−HK$2,321/mo
Today · 4.125%
HK$89,936
baseline
▲ 0.50% · 4.625%
HK$94,677
+HK$4,741/mo
Deposit HK$7.21M · loan HK$16.82M · min. income ≈ HK$179,872/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,613
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,680
−HK$3,117/mo
Today · 4.125%
HK$104,797
baseline
▲ 0.50% · 4.625%
HK$111,173
+HK$6,376/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$209,594/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,706
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,648
−HK$2,985/mo
Today · 4.125%
HK$115,633
baseline
▲ 0.50% · 4.625%
HK$121,728
+HK$6,095/mo
Deposit HK$2.40M · loan HK$21.62M · min. income ≈ HK$231,266/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,021,094 · Scale 2, in force from 26 Feb 2026)