LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,886
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,594
−HK$1,734/mo
Today · 4.125%
HK$58,328
baseline
▲ 0.50% · 4.625%
HK$61,877
+HK$3,549/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,656/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,061
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,698
−HK$1,662/mo
Today · 4.125%
HK$64,360
baseline
▲ 0.50% · 4.625%
HK$67,752
+HK$3,392/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,720/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,022,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,864
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,912
−HK$2,082/mo
Today · 4.125%
HK$69,994
baseline
▲ 0.50% · 4.625%
HK$74,253
+HK$4,259/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$139,988/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,273
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$75,238
−HK$1,993/mo
Today · 4.125%
HK$77,231
baseline
▲ 0.50% · 4.625%
HK$81,302
+HK$4,071/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,462/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,022,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,841
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,231
−HK$2,429/mo
Today · 4.125%
HK$81,660
baseline
▲ 0.50% · 4.625%
HK$86,628
+HK$4,968/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,320/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,485
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,777
−HK$2,326/mo
Today · 4.125%
HK$90,103
baseline
▲ 0.50% · 4.625%
HK$94,853
+HK$4,750/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,206/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$1,022,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,796
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,869
−HK$3,122/mo
Today · 4.125%
HK$104,991
baseline
▲ 0.50% · 4.625%
HK$111,379
+HK$6,388/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$209,982/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,909
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,857
−HK$2,990/mo
Today · 4.125%
HK$115,847
baseline
▲ 0.50% · 4.625%
HK$121,954
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.66M · min. income ≈ HK$231,694/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,022,988 · Scale 2, in force from 26 Feb 2026)