LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,488
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,183
−HK$1,722/mo
Today · 4.125%
HK$57,905
baseline
▲ 0.50% · 4.625%
HK$61,428
+HK$3,523/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,810/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,617
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,243
−HK$1,649/mo
Today · 4.125%
HK$63,892
baseline
▲ 0.50% · 4.625%
HK$67,260
+HK$3,368/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,784/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,385
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,419
−HK$2,066/mo
Today · 4.125%
HK$69,485
baseline
▲ 0.50% · 4.625%
HK$73,713
+HK$4,228/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,970/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,740
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,691
−HK$1,979/mo
Today · 4.125%
HK$76,670
baseline
▲ 0.50% · 4.625%
HK$80,712
+HK$4,042/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,340/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,283
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,656
−HK$2,410/mo
Today · 4.125%
HK$81,066
baseline
▲ 0.50% · 4.625%
HK$85,999
+HK$4,933/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,132/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,864
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,140
−HK$2,309/mo
Today · 4.125%
HK$89,449
baseline
▲ 0.50% · 4.625%
HK$94,164
+HK$4,715/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,898/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,078
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,129
−HK$3,099/mo
Today · 4.125%
HK$104,228
baseline
▲ 0.50% · 4.625%
HK$110,570
+HK$6,342/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,456/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,111
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,037
−HK$2,968/mo
Today · 4.125%
HK$115,005
baseline
▲ 0.50% · 4.625%
HK$121,068
+HK$6,063/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,010/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,555 · Scale 2, in force from 26 Feb 2026)