LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,875
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,582
−HK$1,735/mo
Today · 4.125%
HK$58,317
baseline
▲ 0.50% · 4.625%
HK$61,865
+HK$3,548/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,634/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,048
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,686
−HK$1,661/mo
Today · 4.125%
HK$64,347
baseline
▲ 0.50% · 4.625%
HK$67,738
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,694/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,850
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,899
−HK$2,081/mo
Today · 4.125%
HK$69,980
baseline
▲ 0.50% · 4.625%
HK$74,238
+HK$4,258/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,960/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,258
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,223
−HK$1,993/mo
Today · 4.125%
HK$77,216
baseline
▲ 0.50% · 4.625%
HK$81,286
+HK$4,070/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,432/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,826
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,215
−HK$2,428/mo
Today · 4.125%
HK$81,643
baseline
▲ 0.50% · 4.625%
HK$86,611
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,286/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,468
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,760
−HK$2,325/mo
Today · 4.125%
HK$90,085
baseline
▲ 0.50% · 4.625%
HK$94,834
+HK$4,749/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,170/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,776
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,848
−HK$3,122/mo
Today · 4.125%
HK$104,970
baseline
▲ 0.50% · 4.625%
HK$111,357
+HK$6,387/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,940/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,887
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,834
−HK$2,990/mo
Today · 4.125%
HK$115,824
baseline
▲ 0.50% · 4.625%
HK$121,929
+HK$6,105/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,648/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,782 · Scale 2, in force from 26 Feb 2026)