LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,512
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,207
−HK$1,723/mo
Today · 4.125%
HK$57,930
baseline
▲ 0.50% · 4.625%
HK$61,455
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,860/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,644
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,270
−HK$1,650/mo
Today · 4.125%
HK$63,920
baseline
▲ 0.50% · 4.625%
HK$67,289
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,840/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,414
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,449
−HK$2,067/mo
Today · 4.125%
HK$69,516
baseline
▲ 0.50% · 4.625%
HK$73,746
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$139,032/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,772
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,724
−HK$1,980/mo
Today · 4.125%
HK$76,704
baseline
▲ 0.50% · 4.625%
HK$80,747
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,408/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,316
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,690
−HK$2,412/mo
Today · 4.125%
HK$81,102
baseline
▲ 0.50% · 4.625%
HK$86,037
+HK$4,935/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,204/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,901
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,178
−HK$2,310/mo
Today · 4.125%
HK$89,488
baseline
▲ 0.50% · 4.625%
HK$94,205
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,976/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,121
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,173
−HK$3,101/mo
Today · 4.125%
HK$104,274
baseline
▲ 0.50% · 4.625%
HK$110,619
+HK$6,345/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,548/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,159
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,086
−HK$2,970/mo
Today · 4.125%
HK$115,056
baseline
▲ 0.50% · 4.625%
HK$121,121
+HK$6,065/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,112/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,003 · Scale 2, in force from 26 Feb 2026)