LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,920
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,629
−HK$1,735/mo
Today · 4.125%
HK$58,364
baseline
▲ 0.50% · 4.625%
HK$61,916
+HK$3,552/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,728/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,098
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,737
−HK$1,662/mo
Today · 4.125%
HK$64,399
baseline
▲ 0.50% · 4.625%
HK$67,794
+HK$3,395/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,798/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,904
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,954
−HK$2,083/mo
Today · 4.125%
HK$70,037
baseline
▲ 0.50% · 4.625%
HK$74,299
+HK$4,262/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,074/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,318
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,284
−HK$1,995/mo
Today · 4.125%
HK$77,279
baseline
▲ 0.50% · 4.625%
HK$81,353
+HK$4,074/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,558/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,888
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,280
−HK$2,430/mo
Today · 4.125%
HK$81,710
baseline
▲ 0.50% · 4.625%
HK$86,682
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,420/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,538
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,832
−HK$2,327/mo
Today · 4.125%
HK$90,159
baseline
▲ 0.50% · 4.625%
HK$94,911
+HK$4,752/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,318/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,857
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,932
−HK$3,124/mo
Today · 4.125%
HK$105,056
baseline
▲ 0.50% · 4.625%
HK$111,448
+HK$6,392/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,112/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,977
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,926
−HK$2,993/mo
Today · 4.125%
HK$115,919
baseline
▲ 0.50% · 4.625%
HK$122,029
+HK$6,110/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,838/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,619 · Scale 2, in force from 26 Feb 2026)