LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,352
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,042
−HK$1,718/mo
Today · 4.125%
HK$57,760
baseline
▲ 0.50% · 4.625%
HK$61,275
+HK$3,515/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,520/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,466
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,087
−HK$1,646/mo
Today · 4.125%
HK$63,733
baseline
▲ 0.50% · 4.625%
HK$67,092
+HK$3,359/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,466/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,222
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,251
−HK$2,061/mo
Today · 4.125%
HK$69,312
baseline
▲ 0.50% · 4.625%
HK$73,530
+HK$4,218/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,624/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,559
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,505
−HK$1,974/mo
Today · 4.125%
HK$76,479
baseline
▲ 0.50% · 4.625%
HK$80,510
+HK$4,031/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,958/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,092
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,459
−HK$2,405/mo
Today · 4.125%
HK$80,864
baseline
▲ 0.50% · 4.625%
HK$85,784
+HK$4,920/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,728/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,013,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,652
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,922
−HK$2,304/mo
Today · 4.125%
HK$89,226
baseline
▲ 0.50% · 4.625%
HK$93,929
+HK$4,703/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,452/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,013,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,833
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,876
−HK$3,092/mo
Today · 4.125%
HK$103,968
baseline
▲ 0.50% · 4.625%
HK$110,294
+HK$6,326/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,936/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,838
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,757
−HK$2,962/mo
Today · 4.125%
HK$114,719
baseline
▲ 0.50% · 4.625%
HK$120,765
+HK$6,046/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,438/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,022 · Scale 2, in force from 26 Feb 2026)