LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,986
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,697
−HK$1,737/mo
Today · 4.125%
HK$58,434
baseline
▲ 0.50% · 4.625%
HK$61,990
+HK$3,556/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,868/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,172
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,812
−HK$1,665/mo
Today · 4.125%
HK$64,477
baseline
▲ 0.50% · 4.625%
HK$67,875
+HK$3,398/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$128,954/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,984
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$68,036
−HK$2,085/mo
Today · 4.125%
HK$70,121
baseline
▲ 0.50% · 4.625%
HK$74,388
+HK$4,267/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,242/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,406
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,375
−HK$1,997/mo
Today · 4.125%
HK$77,372
baseline
▲ 0.50% · 4.625%
HK$81,450
+HK$4,078/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,744/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,981
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,375
−HK$2,433/mo
Today · 4.125%
HK$81,808
baseline
▲ 0.50% · 4.625%
HK$86,786
+HK$4,978/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,616/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,640
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,937
−HK$2,330/mo
Today · 4.125%
HK$90,267
baseline
▲ 0.50% · 4.625%
HK$95,025
+HK$4,758/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,534/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,975
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,054
−HK$3,128/mo
Today · 4.125%
HK$105,182
baseline
▲ 0.50% · 4.625%
HK$111,582
+HK$6,400/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,364/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,109
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,062
−HK$2,996/mo
Today · 4.125%
HK$116,058
baseline
▲ 0.50% · 4.625%
HK$122,176
+HK$6,118/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,116/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,850 · Scale 2, in force from 26 Feb 2026)