LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,550
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,247
−HK$1,723/mo
Today · 4.125%
HK$57,970
baseline
▲ 0.50% · 4.625%
HK$61,498
+HK$3,528/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$1,016,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,686
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,314
−HK$1,651/mo
Today · 4.125%
HK$63,965
baseline
▲ 0.50% · 4.625%
HK$67,336
+HK$3,371/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,930/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,460
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,496
−HK$2,069/mo
Today · 4.125%
HK$69,565
baseline
▲ 0.50% · 4.625%
HK$73,797
+HK$4,232/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,130/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,823
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,776
−HK$1,982/mo
Today · 4.125%
HK$76,758
baseline
▲ 0.50% · 4.625%
HK$80,804
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,516/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,370
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,745
−HK$2,414/mo
Today · 4.125%
HK$81,159
baseline
▲ 0.50% · 4.625%
HK$86,097
+HK$4,938/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,318/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,960
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,239
−HK$2,312/mo
Today · 4.125%
HK$89,551
baseline
▲ 0.50% · 4.625%
HK$94,271
+HK$4,720/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,102/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,189
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,244
−HK$3,103/mo
Today · 4.125%
HK$104,347
baseline
▲ 0.50% · 4.625%
HK$110,696
+HK$6,349/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,694/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,235
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,164
−HK$2,972/mo
Today · 4.125%
HK$115,136
baseline
▲ 0.50% · 4.625%
HK$121,205
+HK$6,069/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,272/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,712 · Scale 2, in force from 26 Feb 2026)