LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,930
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,639
−HK$1,736/mo
Today · 4.125%
HK$58,375
baseline
▲ 0.50% · 4.625%
HK$61,927
+HK$3,552/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,750/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,109
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,748
−HK$1,663/mo
Today · 4.125%
HK$64,411
baseline
▲ 0.50% · 4.625%
HK$67,806
+HK$3,395/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,822/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,916
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$67,966
−HK$2,083/mo
Today · 4.125%
HK$70,049
baseline
▲ 0.50% · 4.625%
HK$74,312
+HK$4,263/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$140,098/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,331
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,298
−HK$1,995/mo
Today · 4.125%
HK$77,293
baseline
▲ 0.50% · 4.625%
HK$81,367
+HK$4,074/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$154,586/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,902
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,294
−HK$2,430/mo
Today · 4.125%
HK$81,724
baseline
▲ 0.50% · 4.625%
HK$86,697
+HK$4,973/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,448/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,553
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,847
−HK$2,328/mo
Today · 4.125%
HK$90,175
baseline
▲ 0.50% · 4.625%
HK$94,928
+HK$4,753/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,350/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,874
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,950
−HK$3,124/mo
Today · 4.125%
HK$105,074
baseline
▲ 0.50% · 4.625%
HK$111,468
+HK$6,394/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,148/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,996
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,946
−HK$2,993/mo
Today · 4.125%
HK$115,939
baseline
▲ 0.50% · 4.625%
HK$122,050
+HK$6,111/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,878/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,799 · Scale 2, in force from 26 Feb 2026)