LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,978
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,689
−HK$1,737/mo
Today · 4.125%
HK$58,426
baseline
▲ 0.50% · 4.625%
HK$61,981
+HK$3,555/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,852/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,163
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,803
−HK$1,664/mo
Today · 4.125%
HK$64,467
baseline
▲ 0.50% · 4.625%
HK$67,866
+HK$3,399/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,934/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,974
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,026
−HK$2,085/mo
Today · 4.125%
HK$70,111
baseline
▲ 0.50% · 4.625%
HK$74,377
+HK$4,266/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$140,222/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,395
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,364
−HK$1,997/mo
Today · 4.125%
HK$77,361
baseline
▲ 0.50% · 4.625%
HK$81,439
+HK$4,078/mo
Deposit HK$9.64M · loan HK$14.47M · min. income ≈ HK$154,722/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,970
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,364
−HK$2,432/mo
Today · 4.125%
HK$81,796
baseline
▲ 0.50% · 4.625%
HK$86,774
+HK$4,978/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,592/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,628
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,925
−HK$2,329/mo
Today · 4.125%
HK$90,254
baseline
▲ 0.50% · 4.625%
HK$95,012
+HK$4,758/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,508/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,961
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,039
−HK$3,128/mo
Today · 4.125%
HK$105,167
baseline
▲ 0.50% · 4.625%
HK$111,566
+HK$6,399/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,334/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,093
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,046
−HK$2,995/mo
Today · 4.125%
HK$116,041
baseline
▲ 0.50% · 4.625%
HK$122,158
+HK$6,117/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,082/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,702 · Scale 2, in force from 26 Feb 2026)