LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,507
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,202
−HK$1,723/mo
Today · 4.125%
HK$57,925
baseline
▲ 0.50% · 4.625%
HK$61,449
+HK$3,524/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,850/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,638
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,264
−HK$1,650/mo
Today · 4.125%
HK$63,914
baseline
▲ 0.50% · 4.625%
HK$67,283
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,828/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,408
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,442
−HK$2,067/mo
Today · 4.125%
HK$69,509
baseline
▲ 0.50% · 4.625%
HK$73,739
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,018/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,766
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,717
−HK$1,980/mo
Today · 4.125%
HK$76,697
baseline
▲ 0.50% · 4.625%
HK$80,740
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,394/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,309
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,683
−HK$2,411/mo
Today · 4.125%
HK$81,094
baseline
▲ 0.50% · 4.625%
HK$86,029
+HK$4,935/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,188/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,893
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,170
−HK$2,310/mo
Today · 4.125%
HK$89,480
baseline
▲ 0.50% · 4.625%
HK$94,196
+HK$4,716/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,960/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,112
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,164
−HK$3,100/mo
Today · 4.125%
HK$104,264
baseline
▲ 0.50% · 4.625%
HK$110,608
+HK$6,344/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,528/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,148
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,076
−HK$2,969/mo
Today · 4.125%
HK$115,045
baseline
▲ 0.50% · 4.625%
HK$121,109
+HK$6,064/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,090/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,907 · Scale 2, in force from 26 Feb 2026)