LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,501
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,197
−HK$1,722/mo
Today · 4.125%
HK$57,919
baseline
▲ 0.50% · 4.625%
HK$61,443
+HK$3,524/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,838/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,632
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,258
−HK$1,650/mo
Today · 4.125%
HK$63,908
baseline
▲ 0.50% · 4.625%
HK$67,277
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,816/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,402
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,436
−HK$2,067/mo
Today · 4.125%
HK$69,503
baseline
▲ 0.50% · 4.625%
HK$73,732
+HK$4,229/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,006/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,759
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,710
−HK$1,980/mo
Today · 4.125%
HK$76,690
baseline
▲ 0.50% · 4.625%
HK$80,732
+HK$4,042/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,380/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,302
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,676
−HK$2,411/mo
Today · 4.125%
HK$81,087
baseline
▲ 0.50% · 4.625%
HK$86,021
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,174/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,885
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,162
−HK$2,309/mo
Today · 4.125%
HK$89,471
baseline
▲ 0.50% · 4.625%
HK$94,188
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,942/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,103
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,154
−HK$3,101/mo
Today · 4.125%
HK$104,255
baseline
▲ 0.50% · 4.625%
HK$110,598
+HK$6,343/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,510/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,138
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,065
−HK$2,970/mo
Today · 4.125%
HK$115,035
baseline
▲ 0.50% · 4.625%
HK$121,098
+HK$6,063/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,070/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,813 · Scale 2, in force from 26 Feb 2026)