LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,876
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,583
−HK$1,734/mo
Today · 4.125%
HK$58,317
baseline
▲ 0.50% · 4.625%
HK$61,866
+HK$3,549/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$1,022,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,049
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,687
−HK$1,661/mo
Today · 4.125%
HK$64,348
baseline
▲ 0.50% · 4.625%
HK$67,739
+HK$3,391/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,696/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,851
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,900
−HK$2,081/mo
Today · 4.125%
HK$69,981
baseline
▲ 0.50% · 4.625%
HK$74,239
+HK$4,258/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,962/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,259
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,224
−HK$1,993/mo
Today · 4.125%
HK$77,217
baseline
▲ 0.50% · 4.625%
HK$81,287
+HK$4,070/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,434/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,827
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,216
−HK$2,428/mo
Today · 4.125%
HK$81,644
baseline
▲ 0.50% · 4.625%
HK$86,612
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,288/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,469
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,761
−HK$2,326/mo
Today · 4.125%
HK$90,087
baseline
▲ 0.50% · 4.625%
HK$94,835
+HK$4,748/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,174/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,777
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,850
−HK$3,121/mo
Today · 4.125%
HK$104,971
baseline
▲ 0.50% · 4.625%
HK$111,359
+HK$6,388/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,942/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,889
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,836
−HK$2,990/mo
Today · 4.125%
HK$115,826
baseline
▲ 0.50% · 4.625%
HK$121,931
+HK$6,105/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,652/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,798 · Scale 2, in force from 26 Feb 2026)