LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,540
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,236
−HK$1,724/mo
Today · 4.125%
HK$57,960
baseline
▲ 0.50% · 4.625%
HK$61,486
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,920/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,675
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,302
−HK$1,651/mo
Today · 4.125%
HK$63,953
baseline
▲ 0.50% · 4.625%
HK$67,324
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,906/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,447
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,483
−HK$2,069/mo
Today · 4.125%
HK$69,552
baseline
▲ 0.50% · 4.625%
HK$73,784
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,104/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,810
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,762
−HK$1,981/mo
Today · 4.125%
HK$76,743
baseline
▲ 0.50% · 4.625%
HK$80,789
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,486/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,355
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,730
−HK$2,413/mo
Today · 4.125%
HK$81,143
baseline
▲ 0.50% · 4.625%
HK$86,081
+HK$4,938/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$162,286/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,945
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,223
−HK$2,311/mo
Today · 4.125%
HK$89,534
baseline
▲ 0.50% · 4.625%
HK$94,253
+HK$4,719/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$179,068/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,171
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,225
−HK$3,102/mo
Today · 4.125%
HK$104,327
baseline
▲ 0.50% · 4.625%
HK$110,675
+HK$6,348/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,654/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,214
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,143
−HK$2,972/mo
Today · 4.125%
HK$115,115
baseline
▲ 0.50% · 4.625%
HK$121,183
+HK$6,068/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,230/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,522 · Scale 2, in force from 26 Feb 2026)