LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,522
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,218
−HK$1,723/mo
Today · 4.125%
HK$57,941
baseline
▲ 0.50% · 4.625%
HK$61,467
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,882/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,656
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,282
−HK$1,651/mo
Today · 4.125%
HK$63,933
baseline
▲ 0.50% · 4.625%
HK$67,303
+HK$3,370/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,866/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,427
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,462
−HK$2,068/mo
Today · 4.125%
HK$69,530
baseline
▲ 0.50% · 4.625%
HK$73,760
+HK$4,230/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$139,060/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,787
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,739
−HK$1,980/mo
Today · 4.125%
HK$76,719
baseline
▲ 0.50% · 4.625%
HK$80,763
+HK$4,044/mo
Deposit HK$9.56M · loan HK$14.35M · min. income ≈ HK$153,438/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,331
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,706
−HK$2,412/mo
Today · 4.125%
HK$81,118
baseline
▲ 0.50% · 4.625%
HK$86,054
+HK$4,936/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,236/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,918
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,195
−HK$2,311/mo
Today · 4.125%
HK$89,506
baseline
▲ 0.50% · 4.625%
HK$94,224
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,012/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,140
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,193
−HK$3,102/mo
Today · 4.125%
HK$104,295
baseline
▲ 0.50% · 4.625%
HK$110,641
+HK$6,346/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,590/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,180
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,108
−HK$2,971/mo
Today · 4.125%
HK$115,079
baseline
▲ 0.50% · 4.625%
HK$121,145
+HK$6,066/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,158/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,203 · Scale 2, in force from 26 Feb 2026)