LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,931
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,640
−HK$1,736/mo
Today · 4.125%
HK$58,376
baseline
▲ 0.50% · 4.625%
HK$61,928
+HK$3,552/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,752/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,110
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,749
−HK$1,663/mo
Today · 4.125%
HK$64,412
baseline
▲ 0.50% · 4.625%
HK$67,807
+HK$3,395/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,824/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,917
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,968
−HK$2,083/mo
Today · 4.125%
HK$70,051
baseline
▲ 0.50% · 4.625%
HK$74,313
+HK$4,262/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$140,102/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,332
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,299
−HK$1,995/mo
Today · 4.125%
HK$77,294
baseline
▲ 0.50% · 4.625%
HK$81,368
+HK$4,074/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$154,588/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,903
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,296
−HK$2,430/mo
Today · 4.125%
HK$81,726
baseline
▲ 0.50% · 4.625%
HK$86,699
+HK$4,973/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,452/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,554
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,849
−HK$2,328/mo
Today · 4.125%
HK$90,177
baseline
▲ 0.50% · 4.625%
HK$94,930
+HK$4,753/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,354/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,876
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,951
−HK$3,125/mo
Today · 4.125%
HK$105,076
baseline
▲ 0.50% · 4.625%
HK$111,470
+HK$6,394/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,152/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,998
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,948
−HK$2,993/mo
Today · 4.125%
HK$115,941
baseline
▲ 0.50% · 4.625%
HK$122,053
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,882/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,819 · Scale 2, in force from 26 Feb 2026)