LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,531
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,227
−HK$1,723/mo
Today · 4.125%
HK$57,950
baseline
▲ 0.50% · 4.625%
HK$61,477
+HK$3,527/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,900/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,665
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,292
−HK$1,651/mo
Today · 4.125%
HK$63,943
baseline
▲ 0.50% · 4.625%
HK$67,313
+HK$3,370/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,886/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,437
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,472
−HK$2,068/mo
Today · 4.125%
HK$69,540
baseline
▲ 0.50% · 4.625%
HK$73,772
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,080/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,798
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,750
−HK$1,981/mo
Today · 4.125%
HK$76,731
baseline
▲ 0.50% · 4.625%
HK$80,776
+HK$4,045/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,462/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,343
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,718
−HK$2,413/mo
Today · 4.125%
HK$81,131
baseline
▲ 0.50% · 4.625%
HK$86,067
+HK$4,936/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,262/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,931
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,209
−HK$2,311/mo
Today · 4.125%
HK$89,520
baseline
▲ 0.50% · 4.625%
HK$94,238
+HK$4,718/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,040/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,155
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,209
−HK$3,102/mo
Today · 4.125%
HK$104,311
baseline
▲ 0.50% · 4.625%
HK$110,658
+HK$6,347/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,622/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,197
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,126
−HK$2,971/mo
Today · 4.125%
HK$115,097
baseline
▲ 0.50% · 4.625%
HK$121,163
+HK$6,066/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,194/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,359 · Scale 2, in force from 26 Feb 2026)