LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,494
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,189
−HK$1,722/mo
Today · 4.125%
HK$57,911
baseline
▲ 0.50% · 4.625%
HK$61,435
+HK$3,524/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,822/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,624
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,250
−HK$1,649/mo
Today · 4.125%
HK$63,899
baseline
▲ 0.50% · 4.625%
HK$67,267
+HK$3,368/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,798/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,393
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,427
−HK$2,066/mo
Today · 4.125%
HK$69,493
baseline
▲ 0.50% · 4.625%
HK$73,722
+HK$4,229/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,986/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,749
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,700
−HK$1,979/mo
Today · 4.125%
HK$76,679
baseline
▲ 0.50% · 4.625%
HK$80,721
+HK$4,042/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,358/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,291
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,664
−HK$2,411/mo
Today · 4.125%
HK$81,075
baseline
▲ 0.50% · 4.625%
HK$86,009
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,150/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,873
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,150
−HK$2,309/mo
Today · 4.125%
HK$89,459
baseline
▲ 0.50% · 4.625%
HK$94,174
+HK$4,715/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,918/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,089
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$101,140
−HK$3,100/mo
Today · 4.125%
HK$104,240
baseline
▲ 0.50% · 4.625%
HK$110,583
+HK$6,343/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,480/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,123
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$112,050
−HK$2,968/mo
Today · 4.125%
HK$115,018
baseline
▲ 0.50% · 4.625%
HK$121,081
+HK$6,063/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,036/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,670 · Scale 2, in force from 26 Feb 2026)