LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,540
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,237
−HK$1,723/mo
Today · 4.125%
HK$57,960
baseline
▲ 0.50% · 4.625%
HK$61,487
+HK$3,527/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$1,016,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,675
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,303
−HK$1,650/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$1,016,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,448
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,484
−HK$2,068/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$1,016,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,810
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,763
−HK$1,981/mo
Today · 4.125%
HK$76,744
baseline
▲ 0.50% · 4.625%
HK$80,789
+HK$4,045/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,488/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,356
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,731
−HK$2,413/mo
Today · 4.125%
HK$81,144
baseline
▲ 0.50% · 4.625%
HK$86,082
+HK$4,938/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$162,288/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,945
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,224
−HK$2,311/mo
Today · 4.125%
HK$89,535
baseline
▲ 0.50% · 4.625%
HK$94,254
+HK$4,719/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$179,070/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,172
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,226
−HK$3,102/mo
Today · 4.125%
HK$104,328
baseline
▲ 0.50% · 4.625%
HK$110,677
+HK$6,349/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,656/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,216
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,145
−HK$2,971/mo
Today · 4.125%
HK$115,116
baseline
▲ 0.50% · 4.625%
HK$121,184
+HK$6,068/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,232/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,533 · Scale 2, in force from 26 Feb 2026)