LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,885
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,592
−HK$1,734/mo
Today · 4.125%
HK$58,326
baseline
▲ 0.50% · 4.625%
HK$61,875
+HK$3,549/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$116,652/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,059
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,696
−HK$1,661/mo
Today · 4.125%
HK$64,357
baseline
▲ 0.50% · 4.625%
HK$67,750
+HK$3,393/mo
Deposit HK$12.03M · loan HK$12.03M · min. income ≈ HK$128,714/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,862
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,910
−HK$2,082/mo
Today · 4.125%
HK$69,992
baseline
▲ 0.50% · 4.625%
HK$74,250
+HK$4,258/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,984/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,270
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,235
−HK$1,994/mo
Today · 4.125%
HK$77,229
baseline
▲ 0.50% · 4.625%
HK$81,300
+HK$4,071/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,458/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,838
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,229
−HK$2,428/mo
Today · 4.125%
HK$81,657
baseline
▲ 0.50% · 4.625%
HK$86,626
+HK$4,969/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,314/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,482
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,775
−HK$2,325/mo
Today · 4.125%
HK$90,100
baseline
▲ 0.50% · 4.625%
HK$94,850
+HK$4,750/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,200/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,792
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,865
−HK$3,122/mo
Today · 4.125%
HK$104,987
baseline
▲ 0.50% · 4.625%
HK$111,376
+HK$6,389/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,974/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,905
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,853
−HK$2,990/mo
Today · 4.125%
HK$115,843
baseline
▲ 0.50% · 4.625%
HK$121,950
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,686/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,954 · Scale 2, in force from 26 Feb 2026)