LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,830
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,535
−HK$1,733/mo
Today · 4.125%
HK$58,268
baseline
▲ 0.50% · 4.625%
HK$61,813
+HK$3,545/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,536/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,997
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,633
−HK$1,660/mo
Today · 4.125%
HK$64,293
baseline
▲ 0.50% · 4.625%
HK$67,682
+HK$3,389/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,586/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,795
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,842
−HK$2,079/mo
Today · 4.125%
HK$69,921
baseline
▲ 0.50% · 4.625%
HK$74,176
+HK$4,255/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,842/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,197
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,160
−HK$1,991/mo
Today · 4.125%
HK$77,151
baseline
▲ 0.50% · 4.625%
HK$81,218
+HK$4,067/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,302/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,761
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,149
−HK$2,426/mo
Today · 4.125%
HK$81,575
baseline
▲ 0.50% · 4.625%
HK$86,539
+HK$4,964/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,150/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,021,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,396
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,687
−HK$2,323/mo
Today · 4.125%
HK$90,010
baseline
▲ 0.50% · 4.625%
HK$94,755
+HK$4,745/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,020/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,021,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,693
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,763
−HK$3,119/mo
Today · 4.125%
HK$104,882
baseline
▲ 0.50% · 4.625%
HK$111,264
+HK$6,382/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,764/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,795
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,740
−HK$2,987/mo
Today · 4.125%
HK$115,727
baseline
▲ 0.50% · 4.625%
HK$121,827
+HK$6,100/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,454/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,928 · Scale 2, in force from 26 Feb 2026)