LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,540
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,237
−HK$1,724/mo
Today · 4.125%
HK$57,961
baseline
▲ 0.50% · 4.625%
HK$61,487
+HK$3,526/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,922/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,676
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,303
−HK$1,651/mo
Today · 4.125%
HK$63,954
baseline
▲ 0.50% · 4.625%
HK$67,325
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,908/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,448
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,484
−HK$2,069/mo
Today · 4.125%
HK$69,553
baseline
▲ 0.50% · 4.625%
HK$73,785
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,106/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,811
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,764
−HK$1,981/mo
Today · 4.125%
HK$76,745
baseline
▲ 0.50% · 4.625%
HK$80,790
+HK$4,045/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,490/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,357
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,732
−HK$2,413/mo
Today · 4.125%
HK$81,145
baseline
▲ 0.50% · 4.625%
HK$86,082
+HK$4,937/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$162,290/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,946
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,224
−HK$2,311/mo
Today · 4.125%
HK$89,535
baseline
▲ 0.50% · 4.625%
HK$94,255
+HK$4,720/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$1,016,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,173
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,226
−HK$3,103/mo
Today · 4.125%
HK$104,329
baseline
▲ 0.50% · 4.625%
HK$110,677
+HK$6,348/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,658/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,216
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,145
−HK$2,972/mo
Today · 4.125%
HK$115,117
baseline
▲ 0.50% · 4.625%
HK$121,185
+HK$6,068/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,234/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,539 · Scale 2, in force from 26 Feb 2026)