LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,880
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,588
−HK$1,734/mo
Today · 4.125%
HK$58,322
baseline
▲ 0.50% · 4.625%
HK$61,871
+HK$3,549/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,644/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,054
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,691
−HK$1,661/mo
Today · 4.125%
HK$64,352
baseline
▲ 0.50% · 4.625%
HK$67,745
+HK$3,393/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,704/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,857
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$67,905
−HK$2,081/mo
Today · 4.125%
HK$69,986
baseline
▲ 0.50% · 4.625%
HK$74,245
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,972/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,265
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,230
−HK$1,993/mo
Today · 4.125%
HK$77,223
baseline
▲ 0.50% · 4.625%
HK$81,293
+HK$4,070/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,446/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,833
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,223
−HK$2,428/mo
Today · 4.125%
HK$81,651
baseline
▲ 0.50% · 4.625%
HK$86,619
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,302/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,475
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,768
−HK$2,325/mo
Today · 4.125%
HK$90,093
baseline
▲ 0.50% · 4.625%
HK$94,842
+HK$4,749/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,186/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,785
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,858
−HK$3,121/mo
Today · 4.125%
HK$104,979
baseline
▲ 0.50% · 4.625%
HK$111,367
+HK$6,388/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,958/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,897
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,844
−HK$2,990/mo
Today · 4.125%
HK$115,834
baseline
▲ 0.50% · 4.625%
HK$121,940
+HK$6,106/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,668/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,876 · Scale 2, in force from 26 Feb 2026)