LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,940
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,649
−HK$1,737/mo
Today · 4.125%
HK$58,386
baseline
▲ 0.50% · 4.625%
HK$61,938
+HK$3,552/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,772/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,121
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,760
−HK$1,663/mo
Today · 4.125%
HK$64,423
baseline
▲ 0.50% · 4.625%
HK$67,818
+HK$3,395/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,846/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,023,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,928
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,979
−HK$2,084/mo
Today · 4.125%
HK$70,063
baseline
▲ 0.50% · 4.625%
HK$74,326
+HK$4,263/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,126/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,345
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$75,312
−HK$1,995/mo
Today · 4.125%
HK$77,307
baseline
▲ 0.50% · 4.625%
HK$81,382
+HK$4,075/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,614/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,916
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,309
−HK$2,431/mo
Today · 4.125%
HK$81,740
baseline
▲ 0.50% · 4.625%
HK$86,713
+HK$4,973/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,480/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,569
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,864
−HK$2,328/mo
Today · 4.125%
HK$90,192
baseline
▲ 0.50% · 4.625%
HK$94,946
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,384/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,893
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$101,969
−HK$3,125/mo
Today · 4.125%
HK$105,094
baseline
▲ 0.50% · 4.625%
HK$111,489
+HK$6,395/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$210,188/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,017
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,968
−HK$2,993/mo
Today · 4.125%
HK$115,961
baseline
▲ 0.50% · 4.625%
HK$122,073
+HK$6,112/mo
Deposit HK$2.41M · loan HK$21.68M · min. income ≈ HK$231,922/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,991 · Scale 2, in force from 26 Feb 2026)