LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,545
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,241
−HK$1,724/mo
Today · 4.125%
HK$57,965
baseline
▲ 0.50% · 4.625%
HK$61,492
+HK$3,527/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,930/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,681
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,308
−HK$1,651/mo
Today · 4.125%
HK$63,959
baseline
▲ 0.50% · 4.625%
HK$67,330
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,918/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,454
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,490
−HK$2,068/mo
Today · 4.125%
HK$69,558
baseline
▲ 0.50% · 4.625%
HK$73,791
+HK$4,233/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,116/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,817
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,770
−HK$1,981/mo
Today · 4.125%
HK$76,751
baseline
▲ 0.50% · 4.625%
HK$80,796
+HK$4,045/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,502/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,016,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,363
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,738
−HK$2,413/mo
Today · 4.125%
HK$81,151
baseline
▲ 0.50% · 4.625%
HK$86,089
+HK$4,938/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$162,302/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,953
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,231
−HK$2,312/mo
Today · 4.125%
HK$89,543
baseline
▲ 0.50% · 4.625%
HK$94,262
+HK$4,719/mo
Deposit HK$7.18M · loan HK$16.74M · min. income ≈ HK$179,086/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,181
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,235
−HK$3,102/mo
Today · 4.125%
HK$104,337
baseline
▲ 0.50% · 4.625%
HK$110,686
+HK$6,349/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,674/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,225
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,154
−HK$2,972/mo
Today · 4.125%
HK$115,126
baseline
▲ 0.50% · 4.625%
HK$121,195
+HK$6,069/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,252/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,621 · Scale 2, in force from 26 Feb 2026)