LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,939
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,647
−HK$1,737/mo
Today · 4.125%
HK$58,384
baseline
▲ 0.50% · 4.625%
HK$61,936
+HK$3,552/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,768/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,119
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,758
−HK$1,663/mo
Today · 4.125%
HK$64,421
baseline
▲ 0.50% · 4.625%
HK$67,816
+HK$3,395/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,842/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,926
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,977
−HK$2,083/mo
Today · 4.125%
HK$70,060
baseline
▲ 0.50% · 4.625%
HK$74,323
+HK$4,263/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,120/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,342
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,309
−HK$1,996/mo
Today · 4.125%
HK$77,305
baseline
▲ 0.50% · 4.625%
HK$81,380
+HK$4,075/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,610/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,914
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,306
−HK$2,431/mo
Today · 4.125%
HK$81,737
baseline
▲ 0.50% · 4.625%
HK$86,711
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,474/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,566
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,861
−HK$2,328/mo
Today · 4.125%
HK$90,189
baseline
▲ 0.50% · 4.625%
HK$94,943
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,378/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,889
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,965
−HK$3,126/mo
Today · 4.125%
HK$105,091
baseline
▲ 0.50% · 4.625%
HK$111,485
+HK$6,394/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,182/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,013
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,964
−HK$2,993/mo
Today · 4.125%
HK$115,957
baseline
▲ 0.50% · 4.625%
HK$122,069
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,914/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,959 · Scale 2, in force from 26 Feb 2026)