LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,551
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,248
−HK$1,724/mo
Today · 4.125%
HK$57,972
baseline
▲ 0.50% · 4.625%
HK$61,499
+HK$3,527/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,944/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,687
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,315
−HK$1,651/mo
Today · 4.125%
HK$63,966
baseline
▲ 0.50% · 4.625%
HK$67,338
+HK$3,372/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,932/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,461
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,497
−HK$2,069/mo
Today · 4.125%
HK$69,566
baseline
▲ 0.50% · 4.625%
HK$73,799
+HK$4,233/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,132/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,825
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,778
−HK$1,981/mo
Today · 4.125%
HK$76,759
baseline
▲ 0.50% · 4.625%
HK$80,805
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,518/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,371
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,747
−HK$2,413/mo
Today · 4.125%
HK$81,160
baseline
▲ 0.50% · 4.625%
HK$86,099
+HK$4,939/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,320/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,962
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,241
−HK$2,311/mo
Today · 4.125%
HK$89,552
baseline
▲ 0.50% · 4.625%
HK$94,273
+HK$4,721/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,104/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,192
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,246
−HK$3,103/mo
Today · 4.125%
HK$104,349
baseline
▲ 0.50% · 4.625%
HK$110,698
+HK$6,349/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,698/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,237
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,167
−HK$2,972/mo
Today · 4.125%
HK$115,139
baseline
▲ 0.50% · 4.625%
HK$121,208
+HK$6,069/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,278/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,733 · Scale 2, in force from 26 Feb 2026)