LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,505
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,200
−HK$1,723/mo
Today · 4.125%
HK$57,923
baseline
▲ 0.50% · 4.625%
HK$61,447
+HK$3,524/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,846/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,636
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,262
−HK$1,650/mo
Today · 4.125%
HK$63,912
baseline
▲ 0.50% · 4.625%
HK$67,281
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,824/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,406
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,440
−HK$2,067/mo
Today · 4.125%
HK$69,507
baseline
▲ 0.50% · 4.625%
HK$73,736
+HK$4,229/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,014/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,763
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,715
−HK$1,979/mo
Today · 4.125%
HK$76,694
baseline
▲ 0.50% · 4.625%
HK$80,737
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,388/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,307
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,680
−HK$2,412/mo
Today · 4.125%
HK$81,092
baseline
▲ 0.50% · 4.625%
HK$86,026
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,184/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,890
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,167
−HK$2,310/mo
Today · 4.125%
HK$89,477
baseline
▲ 0.50% · 4.625%
HK$94,193
+HK$4,716/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,954/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,108
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,160
−HK$3,101/mo
Today · 4.125%
HK$104,261
baseline
▲ 0.50% · 4.625%
HK$110,605
+HK$6,344/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,522/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,145
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,072
−HK$2,969/mo
Today · 4.125%
HK$115,041
baseline
▲ 0.50% · 4.625%
HK$121,105
+HK$6,064/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,082/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,873 · Scale 2, in force from 26 Feb 2026)