LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,934
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,643
−HK$1,736/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$1,023,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,114
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,753
−HK$1,662/mo
Today · 4.125%
HK$64,415
baseline
▲ 0.50% · 4.625%
HK$67,811
+HK$3,396/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$1,023,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,921
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,971
−HK$2,084/mo
Today · 4.125%
HK$70,055
baseline
▲ 0.50% · 4.625%
HK$74,317
+HK$4,262/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$140,110/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,336
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,303
−HK$1,996/mo
Today · 4.125%
HK$77,299
baseline
▲ 0.50% · 4.625%
HK$81,373
+HK$4,074/mo
Deposit HK$9.64M · loan HK$14.45M · min. income ≈ HK$154,598/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,908
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,300
−HK$2,431/mo
Today · 4.125%
HK$81,731
baseline
▲ 0.50% · 4.625%
HK$86,704
+HK$4,973/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$163,462/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,559
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,854
−HK$2,328/mo
Today · 4.125%
HK$90,182
baseline
▲ 0.50% · 4.625%
HK$94,935
+HK$4,753/mo
Deposit HK$7.23M · loan HK$16.86M · min. income ≈ HK$180,364/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,881
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,957
−HK$3,125/mo
Today · 4.125%
HK$105,082
baseline
▲ 0.50% · 4.625%
HK$111,476
+HK$6,394/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,164/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,005
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$112,955
−HK$2,993/mo
Today · 4.125%
HK$115,948
baseline
▲ 0.50% · 4.625%
HK$122,060
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,896/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,876 · Scale 2, in force from 26 Feb 2026)