LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,923
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,632
−HK$1,735/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$1,023,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,102
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,740
−HK$1,663/mo
Today · 4.125%
HK$64,403
baseline
▲ 0.50% · 4.625%
HK$67,797
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,806/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,908
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,958
−HK$2,083/mo
Today · 4.125%
HK$70,041
baseline
▲ 0.50% · 4.625%
HK$74,303
+HK$4,262/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,082/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,322
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$75,288
−HK$1,995/mo
Today · 4.125%
HK$77,283
baseline
▲ 0.50% · 4.625%
HK$81,357
+HK$4,074/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$1,023,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,893
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,284
−HK$2,430/mo
Today · 4.125%
HK$81,714
baseline
▲ 0.50% · 4.625%
HK$86,687
+HK$4,973/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$1,023,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,542
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,836
−HK$2,328/mo
Today · 4.125%
HK$90,164
baseline
▲ 0.50% · 4.625%
HK$94,916
+HK$4,752/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,328/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,862
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$101,937
−HK$3,124/mo
Today · 4.125%
HK$105,061
baseline
▲ 0.50% · 4.625%
HK$111,454
+HK$6,393/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$1,023,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,983
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$112,933
−HK$2,992/mo
Today · 4.125%
HK$115,925
baseline
▲ 0.50% · 4.625%
HK$122,035
+HK$6,110/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,850/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,675 · Scale 2, in force from 26 Feb 2026)