LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,923
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,631
−HK$1,736/mo
Today · 4.125%
HK$58,367
baseline
▲ 0.50% · 4.625%
HK$61,919
+HK$3,552/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,734/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,101
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,740
−HK$1,662/mo
Today · 4.125%
HK$64,402
baseline
▲ 0.50% · 4.625%
HK$67,797
+HK$3,395/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,804/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,907
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,958
−HK$2,082/mo
Today · 4.125%
HK$70,040
baseline
▲ 0.50% · 4.625%
HK$74,302
+HK$4,262/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,080/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,321
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,288
−HK$1,995/mo
Today · 4.125%
HK$77,283
baseline
▲ 0.50% · 4.625%
HK$81,356
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,566/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,892
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,284
−HK$2,430/mo
Today · 4.125%
HK$81,714
baseline
▲ 0.50% · 4.625%
HK$86,686
+HK$4,972/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,428/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,542
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,836
−HK$2,327/mo
Today · 4.125%
HK$90,163
baseline
▲ 0.50% · 4.625%
HK$94,916
+HK$4,753/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,326/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,861
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,936
−HK$3,125/mo
Today · 4.125%
HK$105,061
baseline
▲ 0.50% · 4.625%
HK$111,453
+HK$6,392/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,122/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,982
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,932
−HK$2,992/mo
Today · 4.125%
HK$115,924
baseline
▲ 0.50% · 4.625%
HK$122,035
+HK$6,111/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,848/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,667 · Scale 2, in force from 26 Feb 2026)