LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,542
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,239
−HK$1,723/mo
Today · 4.125%
HK$57,962
baseline
▲ 0.50% · 4.625%
HK$61,489
+HK$3,527/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,924/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,678
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,305
−HK$1,651/mo
Today · 4.125%
HK$63,956
baseline
▲ 0.50% · 4.625%
HK$67,327
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,912/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,451
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,486
−HK$2,069/mo
Today · 4.125%
HK$69,555
baseline
▲ 0.50% · 4.625%
HK$73,787
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,110/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,813
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,766
−HK$1,981/mo
Today · 4.125%
HK$76,747
baseline
▲ 0.50% · 4.625%
HK$80,792
+HK$4,045/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,494/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,359
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,734
−HK$2,413/mo
Today · 4.125%
HK$81,147
baseline
▲ 0.50% · 4.625%
HK$86,085
+HK$4,938/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$162,294/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,949
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,227
−HK$2,311/mo
Today · 4.125%
HK$89,538
baseline
▲ 0.50% · 4.625%
HK$94,258
+HK$4,720/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$179,076/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,176
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,230
−HK$3,102/mo
Today · 4.125%
HK$104,332
baseline
▲ 0.50% · 4.625%
HK$110,681
+HK$6,349/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,664/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,220
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,149
−HK$2,971/mo
Today · 4.125%
HK$115,120
baseline
▲ 0.50% · 4.625%
HK$121,189
+HK$6,069/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,240/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,571 · Scale 2, in force from 26 Feb 2026)