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$61,814
+HK$3,546/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$1,021,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,998
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,634
−HK$1,659/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$1,021,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,796
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,843
−HK$2,079/mo
Today · 4.125%
HK$69,922
baseline
▲ 0.50% · 4.625%
HK$74,176
+HK$4,254/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,844/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,197
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$75,160
−HK$1,992/mo
Today · 4.125%
HK$77,152
baseline
▲ 0.50% · 4.625%
HK$81,219
+HK$4,067/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,304/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,762
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,150
−HK$2,426/mo
Today · 4.125%
HK$81,576
baseline
▲ 0.50% · 4.625%
HK$86,539
+HK$4,963/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,152/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,021,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,397
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,687
−HK$2,324/mo
Today · 4.125%
HK$90,011
baseline
▲ 0.50% · 4.625%
HK$94,755
+HK$4,744/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$180,022/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,021,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,694
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,764
−HK$3,119/mo
Today · 4.125%
HK$104,883
baseline
▲ 0.50% · 4.625%
HK$111,265
+HK$6,382/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,766/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,796
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,741
−HK$2,987/mo
Today · 4.125%
HK$115,728
baseline
▲ 0.50% · 4.625%
HK$121,828
+HK$6,100/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,456/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,935 · Scale 2, in force from 26 Feb 2026)