LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,519
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,215
−HK$1,723/mo
Today · 4.125%
HK$57,938
baseline
▲ 0.50% · 4.625%
HK$61,464
+HK$3,526/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,876/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,652
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,279
−HK$1,650/mo
Today · 4.125%
HK$63,929
baseline
▲ 0.50% · 4.625%
HK$67,299
+HK$3,370/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,858/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,423
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,458
−HK$2,068/mo
Today · 4.125%
HK$69,526
baseline
▲ 0.50% · 4.625%
HK$73,756
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$139,052/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,783
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,735
−HK$1,980/mo
Today · 4.125%
HK$76,715
baseline
▲ 0.50% · 4.625%
HK$80,759
+HK$4,044/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,430/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,327
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,701
−HK$2,413/mo
Today · 4.125%
HK$81,114
baseline
▲ 0.50% · 4.625%
HK$86,049
+HK$4,935/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,228/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,913
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,190
−HK$2,311/mo
Today · 4.125%
HK$89,501
baseline
▲ 0.50% · 4.625%
HK$94,218
+HK$4,717/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,002/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,135
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,187
−HK$3,102/mo
Today · 4.125%
HK$104,289
baseline
▲ 0.50% · 4.625%
HK$110,635
+HK$6,346/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,578/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,174
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,102
−HK$2,970/mo
Today · 4.125%
HK$115,072
baseline
▲ 0.50% · 4.625%
HK$121,138
+HK$6,066/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,144/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,147 · Scale 2, in force from 26 Feb 2026)