LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,897
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,604
−HK$1,735/mo
Today · 4.125%
HK$58,339
baseline
▲ 0.50% · 4.625%
HK$61,889
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,678/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,072
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,710
−HK$1,662/mo
Today · 4.125%
HK$64,372
baseline
▲ 0.50% · 4.625%
HK$67,765
+HK$3,393/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,744/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,876
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,925
−HK$2,082/mo
Today · 4.125%
HK$70,007
baseline
▲ 0.50% · 4.625%
HK$74,267
+HK$4,260/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$140,014/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,286
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,252
−HK$1,994/mo
Today · 4.125%
HK$77,246
baseline
▲ 0.50% · 4.625%
HK$81,318
+HK$4,072/mo
Deposit HK$9.63M · loan HK$14.44M · min. income ≈ HK$154,492/mo (50% DSR)
Upfront cash ≈ HK$10.65M (deposit + AVD stamp duty HK$1,023,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,855
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,246
−HK$2,429/mo
Today · 4.125%
HK$81,675
baseline
▲ 0.50% · 4.625%
HK$86,645
+HK$4,970/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$163,350/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,501
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,794
−HK$2,326/mo
Today · 4.125%
HK$90,120
baseline
▲ 0.50% · 4.625%
HK$94,870
+HK$4,750/mo
Deposit HK$7.22M · loan HK$16.85M · min. income ≈ HK$180,240/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,814
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,888
−HK$3,122/mo
Today · 4.125%
HK$105,010
baseline
▲ 0.50% · 4.625%
HK$111,400
+HK$6,390/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,020/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,930
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$112,878
−HK$2,991/mo
Today · 4.125%
HK$115,869
baseline
▲ 0.50% · 4.625%
HK$121,976
+HK$6,107/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,738/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,178 · Scale 2, in force from 26 Feb 2026)