LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,478
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,172
−HK$1,722/mo
Today · 4.125%
HK$57,894
baseline
▲ 0.50% · 4.625%
HK$61,417
+HK$3,523/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,788/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,606
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,232
−HK$1,649/mo
Today · 4.125%
HK$63,881
baseline
▲ 0.50% · 4.625%
HK$67,248
+HK$3,367/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,762/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,374
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,407
−HK$2,066/mo
Today · 4.125%
HK$69,473
baseline
▲ 0.50% · 4.625%
HK$73,700
+HK$4,227/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$138,946/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,727
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,678
−HK$1,979/mo
Today · 4.125%
HK$76,657
baseline
▲ 0.50% · 4.625%
HK$80,697
+HK$4,040/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$153,314/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,269
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,641
−HK$2,411/mo
Today · 4.125%
HK$81,052
baseline
▲ 0.50% · 4.625%
HK$85,984
+HK$4,932/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,104/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,849
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,124
−HK$2,309/mo
Today · 4.125%
HK$89,433
baseline
▲ 0.50% · 4.625%
HK$94,147
+HK$4,714/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,866/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,060
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,110
−HK$3,100/mo
Today · 4.125%
HK$104,210
baseline
▲ 0.50% · 4.625%
HK$110,550
+HK$6,340/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,420/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,091
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,017
−HK$2,968/mo
Today · 4.125%
HK$114,985
baseline
▲ 0.50% · 4.625%
HK$121,046
+HK$6,061/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,970/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,374 · Scale 2, in force from 26 Feb 2026)