LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,829
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,534
−HK$1,733/mo
Today · 4.125%
HK$58,267
baseline
▲ 0.50% · 4.625%
HK$61,812
+HK$3,545/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,534/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,996
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,632
−HK$1,660/mo
Today · 4.125%
HK$64,292
baseline
▲ 0.50% · 4.625%
HK$67,681
+HK$3,389/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,584/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,794
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,841
−HK$2,079/mo
Today · 4.125%
HK$69,920
baseline
▲ 0.50% · 4.625%
HK$74,175
+HK$4,255/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,840/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,195
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,158
−HK$1,992/mo
Today · 4.125%
HK$77,150
baseline
▲ 0.50% · 4.625%
HK$81,217
+HK$4,067/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,300/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,760
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,148
−HK$2,425/mo
Today · 4.125%
HK$81,573
baseline
▲ 0.50% · 4.625%
HK$86,537
+HK$4,964/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,146/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,021,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,395
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,685
−HK$2,323/mo
Today · 4.125%
HK$90,008
baseline
▲ 0.50% · 4.625%
HK$94,753
+HK$4,745/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,016/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,021,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,691
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,761
−HK$3,119/mo
Today · 4.125%
HK$104,880
baseline
▲ 0.50% · 4.625%
HK$111,262
+HK$6,382/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,760/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,793
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,738
−HK$2,987/mo
Today · 4.125%
HK$115,725
baseline
▲ 0.50% · 4.625%
HK$121,825
+HK$6,100/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,450/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,908 · Scale 2, in force from 26 Feb 2026)