LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,521
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,217
−HK$1,723/mo
Today · 4.125%
HK$57,940
baseline
▲ 0.50% · 4.625%
HK$61,466
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,880/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,655
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,281
−HK$1,651/mo
Today · 4.125%
HK$63,932
baseline
▲ 0.50% · 4.625%
HK$67,301
+HK$3,369/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,864/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,426
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,461
−HK$2,068/mo
Today · 4.125%
HK$69,529
baseline
▲ 0.50% · 4.625%
HK$73,759
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$139,058/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,785
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,738
−HK$1,980/mo
Today · 4.125%
HK$76,718
baseline
▲ 0.50% · 4.625%
HK$80,762
+HK$4,044/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,436/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,330
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,704
−HK$2,413/mo
Today · 4.125%
HK$81,117
baseline
▲ 0.50% · 4.625%
HK$86,052
+HK$4,935/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,234/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,916
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,194
−HK$2,310/mo
Today · 4.125%
HK$89,504
baseline
▲ 0.50% · 4.625%
HK$94,222
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,008/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,139
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,191
−HK$3,102/mo
Today · 4.125%
HK$104,293
baseline
▲ 0.50% · 4.625%
HK$110,639
+HK$6,346/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,586/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,178
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,106
−HK$2,971/mo
Today · 4.125%
HK$115,077
baseline
▲ 0.50% · 4.625%
HK$121,143
+HK$6,066/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,154/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,185 · Scale 2, in force from 26 Feb 2026)