LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,549
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,246
−HK$1,724/mo
Today · 4.125%
HK$57,970
baseline
▲ 0.50% · 4.625%
HK$61,497
+HK$3,527/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,940/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,685
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,313
−HK$1,651/mo
Today · 4.125%
HK$63,964
baseline
▲ 0.50% · 4.625%
HK$67,336
+HK$3,372/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,928/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,459
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,495
−HK$2,069/mo
Today · 4.125%
HK$69,564
baseline
▲ 0.50% · 4.625%
HK$73,797
+HK$4,233/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,128/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,822
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,775
−HK$1,982/mo
Today · 4.125%
HK$76,757
baseline
▲ 0.50% · 4.625%
HK$80,803
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,514/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,369
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,744
−HK$2,414/mo
Today · 4.125%
HK$81,158
baseline
▲ 0.50% · 4.625%
HK$86,096
+HK$4,938/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,316/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,959
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,238
−HK$2,312/mo
Today · 4.125%
HK$89,550
baseline
▲ 0.50% · 4.625%
HK$94,270
+HK$4,720/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,100/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,188
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,243
−HK$3,103/mo
Today · 4.125%
HK$104,346
baseline
▲ 0.50% · 4.625%
HK$110,695
+HK$6,349/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,692/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,234
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,163
−HK$2,972/mo
Today · 4.125%
HK$115,135
baseline
▲ 0.50% · 4.625%
HK$121,204
+HK$6,069/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,270/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,700 · Scale 2, in force from 26 Feb 2026)