LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,934
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,642
−HK$1,737/mo
Today · 4.125%
HK$58,379
baseline
▲ 0.50% · 4.625%
HK$61,931
+HK$3,552/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,758/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,113
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,752
−HK$1,663/mo
Today · 4.125%
HK$64,415
baseline
▲ 0.50% · 4.625%
HK$67,810
+HK$3,395/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,830/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,920
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,971
−HK$2,083/mo
Today · 4.125%
HK$70,054
baseline
▲ 0.50% · 4.625%
HK$74,317
+HK$4,263/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$140,108/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,336
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,303
−HK$1,995/mo
Today · 4.125%
HK$77,298
baseline
▲ 0.50% · 4.625%
HK$81,372
+HK$4,074/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$154,596/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,907
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,299
−HK$2,431/mo
Today · 4.125%
HK$81,730
baseline
▲ 0.50% · 4.625%
HK$86,703
+HK$4,973/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,460/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,558
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,853
−HK$2,328/mo
Today · 4.125%
HK$90,181
baseline
▲ 0.50% · 4.625%
HK$94,935
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,362/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,881
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$101,956
−HK$3,125/mo
Today · 4.125%
HK$105,081
baseline
▲ 0.50% · 4.625%
HK$111,475
+HK$6,394/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,162/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,004
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,954
−HK$2,993/mo
Today · 4.125%
HK$115,947
baseline
▲ 0.50% · 4.625%
HK$122,059
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,894/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,869 · Scale 2, in force from 26 Feb 2026)