LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,521
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,216
−HK$1,724/mo
Today · 4.125%
HK$57,940
baseline
▲ 0.50% · 4.625%
HK$61,465
+HK$3,525/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,880/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,654
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,280
−HK$1,651/mo
Today · 4.125%
HK$63,931
baseline
▲ 0.50% · 4.625%
HK$67,300
+HK$3,369/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,862/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,425
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,460
−HK$2,067/mo
Today · 4.125%
HK$69,527
baseline
▲ 0.50% · 4.625%
HK$73,758
+HK$4,231/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$1,016,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,784
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,736
−HK$1,981/mo
Today · 4.125%
HK$76,717
baseline
▲ 0.50% · 4.625%
HK$80,760
+HK$4,043/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,434/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,329
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,703
−HK$2,412/mo
Today · 4.125%
HK$81,115
baseline
▲ 0.50% · 4.625%
HK$86,051
+HK$4,936/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$1,016,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,915
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,192
−HK$2,311/mo
Today · 4.125%
HK$89,503
baseline
▲ 0.50% · 4.625%
HK$94,221
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,006/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,137
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,190
−HK$3,101/mo
Today · 4.125%
HK$104,291
baseline
▲ 0.50% · 4.625%
HK$110,637
+HK$6,346/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,582/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,177
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,105
−HK$2,970/mo
Today · 4.125%
HK$115,075
baseline
▲ 0.50% · 4.625%
HK$121,141
+HK$6,066/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,150/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,169 · Scale 2, in force from 26 Feb 2026)