LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,534
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,231
−HK$1,723/mo
Today · 4.125%
HK$57,954
baseline
▲ 0.50% · 4.625%
HK$61,480
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,908/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,669
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,296
−HK$1,651/mo
Today · 4.125%
HK$63,947
baseline
▲ 0.50% · 4.625%
HK$67,317
+HK$3,370/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,894/mo (50% DSR)
Upfront cash ≈ HK$12.97M (deposit + AVD stamp duty HK$1,016,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,441
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,477
−HK$2,068/mo
Today · 4.125%
HK$69,545
baseline
▲ 0.50% · 4.625%
HK$73,777
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,090/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,803
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,755
−HK$1,981/mo
Today · 4.125%
HK$76,736
baseline
▲ 0.50% · 4.625%
HK$80,781
+HK$4,045/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,472/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,348
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,723
−HK$2,413/mo
Today · 4.125%
HK$81,136
baseline
▲ 0.50% · 4.625%
HK$86,073
+HK$4,937/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$162,272/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,936
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,214
−HK$2,311/mo
Today · 4.125%
HK$89,525
baseline
▲ 0.50% · 4.625%
HK$94,244
+HK$4,719/mo
Deposit HK$7.17M · loan HK$16.74M · min. income ≈ HK$179,050/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,162
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,215
−HK$3,102/mo
Today · 4.125%
HK$104,317
baseline
▲ 0.50% · 4.625%
HK$110,665
+HK$6,348/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$208,634/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,204
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,133
−HK$2,971/mo
Today · 4.125%
HK$115,104
baseline
▲ 0.50% · 4.625%
HK$121,171
+HK$6,067/mo
Deposit HK$2.39M · loan HK$21.52M · min. income ≈ HK$230,208/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,424 · Scale 2, in force from 26 Feb 2026)