LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,510
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,205
−HK$1,723/mo
Today · 4.125%
HK$57,928
baseline
▲ 0.50% · 4.625%
HK$61,453
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,856/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,641
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,268
−HK$1,650/mo
Today · 4.125%
HK$63,918
baseline
▲ 0.50% · 4.625%
HK$67,287
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,836/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,015,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,412
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,446
−HK$2,067/mo
Today · 4.125%
HK$69,513
baseline
▲ 0.50% · 4.625%
HK$73,743
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,026/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,770
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,721
−HK$1,980/mo
Today · 4.125%
HK$76,701
baseline
▲ 0.50% · 4.625%
HK$80,744
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,402/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,314
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,687
−HK$2,412/mo
Today · 4.125%
HK$81,099
baseline
▲ 0.50% · 4.625%
HK$86,034
+HK$4,935/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,198/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,898
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,175
−HK$2,310/mo
Today · 4.125%
HK$89,485
baseline
▲ 0.50% · 4.625%
HK$94,202
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,970/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,117
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,169
−HK$3,101/mo
Today · 4.125%
HK$104,270
baseline
▲ 0.50% · 4.625%
HK$110,615
+HK$6,345/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,540/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,155
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,082
−HK$2,970/mo
Today · 4.125%
HK$115,052
baseline
▲ 0.50% · 4.625%
HK$121,116
+HK$6,064/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,104/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,965 · Scale 2, in force from 26 Feb 2026)