LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,544
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,240
−HK$1,724/mo
Today · 4.125%
HK$57,964
baseline
▲ 0.50% · 4.625%
HK$61,491
+HK$3,527/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,928/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,679
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,307
−HK$1,651/mo
Today · 4.125%
HK$63,958
baseline
▲ 0.50% · 4.625%
HK$67,329
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,916/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,453
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,489
−HK$2,068/mo
Today · 4.125%
HK$69,557
baseline
▲ 0.50% · 4.625%
HK$73,789
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,114/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,815
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,768
−HK$1,981/mo
Today · 4.125%
HK$76,749
baseline
▲ 0.50% · 4.625%
HK$80,795
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,498/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,361
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,737
−HK$2,413/mo
Today · 4.125%
HK$81,150
baseline
▲ 0.50% · 4.625%
HK$86,088
+HK$4,938/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$162,300/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,951
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,230
−HK$2,311/mo
Today · 4.125%
HK$89,541
baseline
▲ 0.50% · 4.625%
HK$94,261
+HK$4,720/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$179,082/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,179
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,233
−HK$3,103/mo
Today · 4.125%
HK$104,336
baseline
▲ 0.50% · 4.625%
HK$110,684
+HK$6,348/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,672/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,223
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,152
−HK$2,972/mo
Today · 4.125%
HK$115,124
baseline
▲ 0.50% · 4.625%
HK$121,192
+HK$6,068/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,248/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,602 · Scale 2, in force from 26 Feb 2026)