LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,529
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,225
−HK$1,723/mo
Today · 4.125%
HK$57,948
baseline
▲ 0.50% · 4.625%
HK$61,474
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,896/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,663
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,290
−HK$1,650/mo
Today · 4.125%
HK$63,940
baseline
▲ 0.50% · 4.625%
HK$67,311
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,880/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,435
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,470
−HK$2,068/mo
Today · 4.125%
HK$69,538
baseline
▲ 0.50% · 4.625%
HK$73,769
+HK$4,231/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,076/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,796
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,748
−HK$1,980/mo
Today · 4.125%
HK$76,728
baseline
▲ 0.50% · 4.625%
HK$80,773
+HK$4,045/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,456/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,341
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,715
−HK$2,413/mo
Today · 4.125%
HK$81,128
baseline
▲ 0.50% · 4.625%
HK$86,064
+HK$4,936/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,256/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,928
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,206
−HK$2,311/mo
Today · 4.125%
HK$89,517
baseline
▲ 0.50% · 4.625%
HK$94,235
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,034/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,152
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,205
−HK$3,102/mo
Today · 4.125%
HK$104,307
baseline
▲ 0.50% · 4.625%
HK$110,654
+HK$6,347/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,614/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,193
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,122
−HK$2,971/mo
Today · 4.125%
HK$115,093
baseline
▲ 0.50% · 4.625%
HK$121,159
+HK$6,066/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,186/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,326 · Scale 2, in force from 26 Feb 2026)