LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,918
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,626
−HK$1,736/mo
Today · 4.125%
HK$58,362
baseline
▲ 0.50% · 4.625%
HK$61,913
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,724/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,095
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,734
−HK$1,662/mo
Today · 4.125%
HK$64,396
baseline
▲ 0.50% · 4.625%
HK$67,791
+HK$3,395/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,792/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,901
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,951
−HK$2,083/mo
Today · 4.125%
HK$70,034
baseline
▲ 0.50% · 4.625%
HK$74,295
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,068/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,314
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,281
−HK$1,994/mo
Today · 4.125%
HK$77,275
baseline
▲ 0.50% · 4.625%
HK$81,349
+HK$4,074/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,550/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,885
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,276
−HK$2,430/mo
Today · 4.125%
HK$81,706
baseline
▲ 0.50% · 4.625%
HK$86,678
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,412/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,534
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,827
−HK$2,328/mo
Today · 4.125%
HK$90,155
baseline
▲ 0.50% · 4.625%
HK$94,907
+HK$4,752/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,310/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,852
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,927
−HK$3,124/mo
Today · 4.125%
HK$105,051
baseline
▲ 0.50% · 4.625%
HK$111,443
+HK$6,392/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,102/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,972
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$112,921
−HK$2,992/mo
Today · 4.125%
HK$115,913
baseline
▲ 0.50% · 4.625%
HK$122,023
+HK$6,110/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,826/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,570 · Scale 2, in force from 26 Feb 2026)