LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,882
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,590
−HK$1,734/mo
Today · 4.125%
HK$58,324
baseline
▲ 0.50% · 4.625%
HK$61,873
+HK$3,549/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,648/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,056
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,694
−HK$1,661/mo
Today · 4.125%
HK$64,355
baseline
▲ 0.50% · 4.625%
HK$67,747
+HK$3,392/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,710/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,859
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,908
−HK$2,081/mo
Today · 4.125%
HK$69,989
baseline
▲ 0.50% · 4.625%
HK$74,248
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,978/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,267
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,232
−HK$1,994/mo
Today · 4.125%
HK$77,226
baseline
▲ 0.50% · 4.625%
HK$81,297
+HK$4,071/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,452/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,835
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,225
−HK$2,429/mo
Today · 4.125%
HK$81,654
baseline
▲ 0.50% · 4.625%
HK$86,622
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,308/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,479
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,771
−HK$2,326/mo
Today · 4.125%
HK$90,097
baseline
▲ 0.50% · 4.625%
HK$94,846
+HK$4,749/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,194/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,788
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,861
−HK$3,122/mo
Today · 4.125%
HK$104,983
baseline
▲ 0.50% · 4.625%
HK$111,371
+HK$6,388/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,966/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,901
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,849
−HK$2,990/mo
Today · 4.125%
HK$115,839
baseline
▲ 0.50% · 4.625%
HK$121,945
+HK$6,106/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,678/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,914 · Scale 2, in force from 26 Feb 2026)