LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,509
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,204
−HK$1,723/mo
Today · 4.125%
HK$57,927
baseline
▲ 0.50% · 4.625%
HK$61,452
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,854/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,640
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,267
−HK$1,650/mo
Today · 4.125%
HK$63,917
baseline
▲ 0.50% · 4.625%
HK$67,286
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,834/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,410
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,445
−HK$2,067/mo
Today · 4.125%
HK$69,512
baseline
▲ 0.50% · 4.625%
HK$73,742
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,024/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,769
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,720
−HK$1,980/mo
Today · 4.125%
HK$76,700
baseline
▲ 0.50% · 4.625%
HK$80,743
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,400/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,312
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,686
−HK$2,412/mo
Today · 4.125%
HK$81,098
baseline
▲ 0.50% · 4.625%
HK$86,032
+HK$4,934/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,196/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,897
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,173
−HK$2,310/mo
Today · 4.125%
HK$89,483
baseline
▲ 0.50% · 4.625%
HK$94,200
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,966/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,116
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,168
−HK$3,100/mo
Today · 4.125%
HK$104,268
baseline
▲ 0.50% · 4.625%
HK$110,613
+HK$6,345/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,536/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,153
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,080
−HK$2,970/mo
Today · 4.125%
HK$115,050
baseline
▲ 0.50% · 4.625%
HK$121,114
+HK$6,064/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,100/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,948 · Scale 2, in force from 26 Feb 2026)