LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,947
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,656
−HK$1,737/mo
Today · 4.125%
HK$58,393
baseline
▲ 0.50% · 4.625%
HK$61,946
+HK$3,553/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,786/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,128
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,767
−HK$1,663/mo
Today · 4.125%
HK$64,430
baseline
▲ 0.50% · 4.625%
HK$67,827
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,860/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,936
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,987
−HK$2,084/mo
Today · 4.125%
HK$70,071
baseline
▲ 0.50% · 4.625%
HK$74,335
+HK$4,264/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,142/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,353
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,321
−HK$1,995/mo
Today · 4.125%
HK$77,316
baseline
▲ 0.50% · 4.625%
HK$81,392
+HK$4,076/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,632/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,926
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,318
−HK$2,432/mo
Today · 4.125%
HK$81,750
baseline
▲ 0.50% · 4.625%
HK$86,724
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,500/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,579
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,874
−HK$2,329/mo
Today · 4.125%
HK$90,203
baseline
▲ 0.50% · 4.625%
HK$94,957
+HK$4,754/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,406/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,904
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$101,981
−HK$3,126/mo
Today · 4.125%
HK$105,107
baseline
▲ 0.50% · 4.625%
HK$111,502
+HK$6,395/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,214/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,030
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,981
−HK$2,994/mo
Today · 4.125%
HK$115,975
baseline
▲ 0.50% · 4.625%
HK$122,088
+HK$6,113/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,950/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,114 · Scale 2, in force from 26 Feb 2026)