LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,508
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,204
−HK$1,722/mo
Today · 4.125%
HK$57,926
baseline
▲ 0.50% · 4.625%
HK$61,451
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,852/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,640
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,266
−HK$1,650/mo
Today · 4.125%
HK$63,916
baseline
▲ 0.50% · 4.625%
HK$67,285
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,832/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,410
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,444
−HK$2,067/mo
Today · 4.125%
HK$69,511
baseline
▲ 0.50% · 4.625%
HK$73,741
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,022/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,768
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,719
−HK$1,980/mo
Today · 4.125%
HK$76,699
baseline
▲ 0.50% · 4.625%
HK$80,742
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,398/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,311
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,685
−HK$2,412/mo
Today · 4.125%
HK$81,097
baseline
▲ 0.50% · 4.625%
HK$86,031
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,194/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,896
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,172
−HK$2,310/mo
Today · 4.125%
HK$89,482
baseline
▲ 0.50% · 4.625%
HK$94,199
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,964/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,115
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,166
−HK$3,101/mo
Today · 4.125%
HK$104,267
baseline
▲ 0.50% · 4.625%
HK$110,612
+HK$6,345/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,534/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,151
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,079
−HK$2,970/mo
Today · 4.125%
HK$115,049
baseline
▲ 0.50% · 4.625%
HK$121,113
+HK$6,064/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,098/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,936 · Scale 2, in force from 26 Feb 2026)