LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,507
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,203
−HK$1,722/mo
Today · 4.125%
HK$57,925
baseline
▲ 0.50% · 4.625%
HK$61,450
+HK$3,525/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$1,015,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,639
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,265
−HK$1,650/mo
Today · 4.125%
HK$63,915
baseline
▲ 0.50% · 4.625%
HK$67,284
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,830/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,409
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,443
−HK$2,067/mo
Today · 4.125%
HK$69,510
baseline
▲ 0.50% · 4.625%
HK$73,740
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,020/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,767
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,718
−HK$1,980/mo
Today · 4.125%
HK$76,698
baseline
▲ 0.50% · 4.625%
HK$80,741
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,396/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,310
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,684
−HK$2,412/mo
Today · 4.125%
HK$81,096
baseline
▲ 0.50% · 4.625%
HK$86,030
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,192/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,894
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,171
−HK$2,310/mo
Today · 4.125%
HK$89,481
baseline
▲ 0.50% · 4.625%
HK$94,198
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,962/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,113
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,165
−HK$3,101/mo
Today · 4.125%
HK$104,266
baseline
▲ 0.50% · 4.625%
HK$110,610
+HK$6,344/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,532/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,150
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,077
−HK$2,970/mo
Today · 4.125%
HK$115,047
baseline
▲ 0.50% · 4.625%
HK$121,111
+HK$6,064/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,094/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,922 · Scale 2, in force from 26 Feb 2026)