LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,510
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,206
−HK$1,722/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$1,015,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,642
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,268
−HK$1,650/mo
Today · 4.125%
HK$63,918
baseline
▲ 0.50% · 4.625%
HK$67,288
+HK$3,370/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$1,015,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,412
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,447
−HK$2,067/mo
Today · 4.125%
HK$69,514
baseline
▲ 0.50% · 4.625%
HK$73,744
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,028/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,770
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,722
−HK$1,980/mo
Today · 4.125%
HK$76,702
baseline
▲ 0.50% · 4.625%
HK$80,745
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,404/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,015,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,314
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,688
−HK$2,412/mo
Today · 4.125%
HK$81,100
baseline
▲ 0.50% · 4.625%
HK$86,035
+HK$4,935/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,200/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,899
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,176
−HK$2,310/mo
Today · 4.125%
HK$89,486
baseline
▲ 0.50% · 4.625%
HK$94,203
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,972/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,015,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,118
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,170
−HK$3,101/mo
Today · 4.125%
HK$104,271
baseline
▲ 0.50% · 4.625%
HK$110,616
+HK$6,345/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,542/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,156
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,083
−HK$2,970/mo
Today · 4.125%
HK$115,053
baseline
▲ 0.50% · 4.625%
HK$121,118
+HK$6,065/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,106/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,976 · Scale 2, in force from 26 Feb 2026)