LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,518
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,214
−HK$1,723/mo
Today · 4.125%
HK$57,937
baseline
▲ 0.50% · 4.625%
HK$61,462
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,874/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,651
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,278
−HK$1,650/mo
Today · 4.125%
HK$63,928
baseline
▲ 0.50% · 4.625%
HK$67,297
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,856/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,422
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,457
−HK$2,067/mo
Today · 4.125%
HK$69,524
baseline
▲ 0.50% · 4.625%
HK$73,755
+HK$4,231/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$139,048/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,781
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,733
−HK$1,980/mo
Today · 4.125%
HK$76,713
baseline
▲ 0.50% · 4.625%
HK$80,757
+HK$4,044/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,426/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,325
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,700
−HK$2,412/mo
Today · 4.125%
HK$81,112
baseline
▲ 0.50% · 4.625%
HK$86,047
+HK$4,935/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,224/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,911
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,189
−HK$2,310/mo
Today · 4.125%
HK$89,499
baseline
▲ 0.50% · 4.625%
HK$94,216
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$178,998/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,133
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,185
−HK$3,102/mo
Today · 4.125%
HK$104,287
baseline
▲ 0.50% · 4.625%
HK$110,632
+HK$6,345/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,574/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,172
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,100
−HK$2,970/mo
Today · 4.125%
HK$115,070
baseline
▲ 0.50% · 4.625%
HK$121,135
+HK$6,065/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,140/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,125 · Scale 2, in force from 26 Feb 2026)