LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,946
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,655
−HK$1,736/mo
Today · 4.125%
HK$58,391
baseline
▲ 0.50% · 4.625%
HK$61,944
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,782/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,126
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,766
−HK$1,663/mo
Today · 4.125%
HK$64,429
baseline
▲ 0.50% · 4.625%
HK$67,825
+HK$3,396/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,858/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,935
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$67,986
−HK$2,083/mo
Today · 4.125%
HK$70,069
baseline
▲ 0.50% · 4.625%
HK$74,333
+HK$4,264/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,138/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,352
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,319
−HK$1,996/mo
Today · 4.125%
HK$77,315
baseline
▲ 0.50% · 4.625%
HK$81,390
+HK$4,075/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,630/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,924
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,317
−HK$2,431/mo
Today · 4.125%
HK$81,748
baseline
▲ 0.50% · 4.625%
HK$86,722
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,496/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,577
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,872
−HK$2,328/mo
Today · 4.125%
HK$90,200
baseline
▲ 0.50% · 4.625%
HK$94,955
+HK$4,755/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,400/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,902
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,978
−HK$3,126/mo
Today · 4.125%
HK$105,104
baseline
▲ 0.50% · 4.625%
HK$111,499
+HK$6,395/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,208/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,028
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$112,978
−HK$2,994/mo
Today · 4.125%
HK$115,972
baseline
▲ 0.50% · 4.625%
HK$122,085
+HK$6,113/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,944/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,090 · Scale 2, in force from 26 Feb 2026)