LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,912
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,620
−HK$1,736/mo
Today · 4.125%
HK$58,356
baseline
▲ 0.50% · 4.625%
HK$61,906
+HK$3,550/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,712/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,089
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,728
−HK$1,662/mo
Today · 4.125%
HK$64,390
baseline
▲ 0.50% · 4.625%
HK$67,784
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,780/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,895
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,944
−HK$2,083/mo
Today · 4.125%
HK$70,027
baseline
▲ 0.50% · 4.625%
HK$74,288
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,054/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,307
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,273
−HK$1,995/mo
Today · 4.125%
HK$77,268
baseline
▲ 0.50% · 4.625%
HK$81,341
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,536/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,877
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,268
−HK$2,430/mo
Today · 4.125%
HK$81,698
baseline
▲ 0.50% · 4.625%
HK$86,669
+HK$4,971/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$163,396/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,525
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,819
−HK$2,327/mo
Today · 4.125%
HK$90,146
baseline
▲ 0.50% · 4.625%
HK$94,897
+HK$4,751/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$180,292/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,842
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,917
−HK$3,123/mo
Today · 4.125%
HK$105,040
baseline
▲ 0.50% · 4.625%
HK$111,432
+HK$6,392/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,080/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,961
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,910
−HK$2,992/mo
Today · 4.125%
HK$115,902
baseline
▲ 0.50% · 4.625%
HK$122,011
+HK$6,109/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,804/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,468 · Scale 2, in force from 26 Feb 2026)