LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,939
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,648
−HK$1,736/mo
Today · 4.125%
HK$58,384
baseline
▲ 0.50% · 4.625%
HK$61,937
+HK$3,553/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$1,023,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,119
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,759
−HK$1,662/mo
Today · 4.125%
HK$64,421
baseline
▲ 0.50% · 4.625%
HK$67,817
+HK$3,396/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$1,023,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,927
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,978
−HK$2,083/mo
Today · 4.125%
HK$70,061
baseline
▲ 0.50% · 4.625%
HK$74,324
+HK$4,263/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,122/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,343
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,310
−HK$1,996/mo
Today · 4.125%
HK$77,306
baseline
▲ 0.50% · 4.625%
HK$81,381
+HK$4,075/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,612/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,915
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$79,307
−HK$2,431/mo
Today · 4.125%
HK$81,738
baseline
▲ 0.50% · 4.625%
HK$86,712
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,476/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,567
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,862
−HK$2,328/mo
Today · 4.125%
HK$90,190
baseline
▲ 0.50% · 4.625%
HK$94,944
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,380/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,891
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,967
−HK$3,125/mo
Today · 4.125%
HK$105,092
baseline
▲ 0.50% · 4.625%
HK$111,487
+HK$6,395/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,184/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,015
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,965
−HK$2,994/mo
Today · 4.125%
HK$115,959
baseline
▲ 0.50% · 4.625%
HK$122,071
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,918/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,973 · Scale 2, in force from 26 Feb 2026)