LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,987
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,697
−HK$1,738/mo
Today · 4.125%
HK$58,435
baseline
▲ 0.50% · 4.625%
HK$61,990
+HK$3,555/mo
Deposit HK$12.06M · loan HK$12.06M · min. income ≈ HK$116,870/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,024,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,172
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,813
−HK$1,664/mo
Today · 4.125%
HK$64,477
baseline
▲ 0.50% · 4.625%
HK$67,876
+HK$3,399/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$1,024,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,984
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$68,037
−HK$2,085/mo
Today · 4.125%
HK$70,122
baseline
▲ 0.50% · 4.625%
HK$74,389
+HK$4,267/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$140,244/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,407
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,375
−HK$1,998/mo
Today · 4.125%
HK$77,373
baseline
▲ 0.50% · 4.625%
HK$81,451
+HK$4,078/mo
Deposit HK$9.65M · loan HK$14.47M · min. income ≈ HK$154,746/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,024,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,981
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,376
−HK$2,433/mo
Today · 4.125%
HK$81,809
baseline
▲ 0.50% · 4.625%
HK$86,787
+HK$4,978/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$163,618/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,641
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,938
−HK$2,330/mo
Today · 4.125%
HK$90,268
baseline
▲ 0.50% · 4.625%
HK$95,026
+HK$4,758/mo
Deposit HK$7.23M · loan HK$16.88M · min. income ≈ HK$180,536/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$1,024,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,976
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$102,055
−HK$3,128/mo
Today · 4.125%
HK$105,183
baseline
▲ 0.50% · 4.625%
HK$111,583
+HK$6,400/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$210,366/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,110
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$113,063
−HK$2,996/mo
Today · 4.125%
HK$116,059
baseline
▲ 0.50% · 4.625%
HK$122,176
+HK$6,117/mo
Deposit HK$2.41M · loan HK$21.70M · min. income ≈ HK$232,118/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$1,024,857 · Scale 2, in force from 26 Feb 2026)