LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,548
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,245
−HK$1,724/mo
Today · 4.125%
HK$57,969
baseline
▲ 0.50% · 4.625%
HK$61,496
+HK$3,527/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,938/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,684
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,312
−HK$1,651/mo
Today · 4.125%
HK$63,963
baseline
▲ 0.50% · 4.625%
HK$67,335
+HK$3,372/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,926/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,458
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,494
−HK$2,069/mo
Today · 4.125%
HK$69,563
baseline
▲ 0.50% · 4.625%
HK$73,795
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,126/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,821
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,774
−HK$1,982/mo
Today · 4.125%
HK$76,756
baseline
▲ 0.50% · 4.625%
HK$80,801
+HK$4,045/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,512/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,368
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$78,743
−HK$2,413/mo
Today · 4.125%
HK$81,156
baseline
▲ 0.50% · 4.625%
HK$86,095
+HK$4,939/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,312/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,958
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,237
−HK$2,311/mo
Today · 4.125%
HK$89,548
baseline
▲ 0.50% · 4.625%
HK$94,268
+HK$4,720/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,096/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,187
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,241
−HK$3,103/mo
Today · 4.125%
HK$104,344
baseline
▲ 0.50% · 4.625%
HK$110,693
+HK$6,349/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,688/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,232
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,161
−HK$2,972/mo
Today · 4.125%
HK$115,133
baseline
▲ 0.50% · 4.625%
HK$121,202
+HK$6,069/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,266/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,684 · Scale 2, in force from 26 Feb 2026)