LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,520
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,216
−HK$1,723/mo
Today · 4.125%
HK$57,939
baseline
▲ 0.50% · 4.625%
HK$61,464
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,878/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,653
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,280
−HK$1,650/mo
Today · 4.125%
HK$63,930
baseline
▲ 0.50% · 4.625%
HK$67,300
+HK$3,370/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,860/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,424
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,459
−HK$2,068/mo
Today · 4.125%
HK$69,527
baseline
▲ 0.50% · 4.625%
HK$73,757
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$139,054/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,784
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,736
−HK$1,980/mo
Today · 4.125%
HK$76,716
baseline
▲ 0.50% · 4.625%
HK$80,760
+HK$4,044/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,432/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,328
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,702
−HK$2,413/mo
Today · 4.125%
HK$81,115
baseline
▲ 0.50% · 4.625%
HK$86,050
+HK$4,935/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,230/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,914
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,192
−HK$2,310/mo
Today · 4.125%
HK$89,502
baseline
▲ 0.50% · 4.625%
HK$94,220
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,004/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,136
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,189
−HK$3,101/mo
Today · 4.125%
HK$104,290
baseline
▲ 0.50% · 4.625%
HK$110,636
+HK$6,346/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,580/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,176
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,104
−HK$2,970/mo
Today · 4.125%
HK$115,074
baseline
▲ 0.50% · 4.625%
HK$121,140
+HK$6,066/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,148/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,161 · Scale 2, in force from 26 Feb 2026)