LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,950
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,660
−HK$1,736/mo
Today · 4.125%
HK$58,396
baseline
▲ 0.50% · 4.625%
HK$61,950
+HK$3,554/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$116,792/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,132
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,771
−HK$1,663/mo
Today · 4.125%
HK$64,434
baseline
▲ 0.50% · 4.625%
HK$67,831
+HK$3,397/mo
Deposit HK$12.05M · loan HK$12.05M · min. income ≈ HK$128,868/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,940
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$67,992
−HK$2,083/mo
Today · 4.125%
HK$70,075
baseline
▲ 0.50% · 4.625%
HK$74,339
+HK$4,264/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$140,150/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,358
−HK$3,963/mo
▼ 0.25% · 3.875%
HK$75,325
−HK$1,996/mo
Today · 4.125%
HK$77,321
baseline
▲ 0.50% · 4.625%
HK$81,397
+HK$4,076/mo
Deposit HK$9.64M · loan HK$14.46M · min. income ≈ HK$154,642/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,931
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,323
−HK$2,432/mo
Today · 4.125%
HK$81,755
baseline
▲ 0.50% · 4.625%
HK$86,729
+HK$4,974/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$163,510/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,584
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,880
−HK$2,328/mo
Today · 4.125%
HK$90,208
baseline
▲ 0.50% · 4.625%
HK$94,963
+HK$4,755/mo
Deposit HK$7.23M · loan HK$16.87M · min. income ≈ HK$180,416/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,911
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$101,987
−HK$3,126/mo
Today · 4.125%
HK$105,113
baseline
▲ 0.50% · 4.625%
HK$111,509
+HK$6,396/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$210,226/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,037
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$112,988
−HK$2,994/mo
Today · 4.125%
HK$115,982
baseline
▲ 0.50% · 4.625%
HK$122,096
+HK$6,114/mo
Deposit HK$2.41M · loan HK$21.69M · min. income ≈ HK$231,964/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,024,179 · Scale 2, in force from 26 Feb 2026)