LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,553
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,250
−HK$1,724/mo
Today · 4.125%
HK$57,974
baseline
▲ 0.50% · 4.625%
HK$61,502
+HK$3,528/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,948/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,690
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,318
−HK$1,651/mo
Today · 4.125%
HK$63,969
baseline
▲ 0.50% · 4.625%
HK$67,341
+HK$3,372/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,938/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,464
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,500
−HK$2,069/mo
Today · 4.125%
HK$69,569
baseline
▲ 0.50% · 4.625%
HK$73,802
+HK$4,233/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$139,138/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,828
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,781
−HK$1,982/mo
Today · 4.125%
HK$76,763
baseline
▲ 0.50% · 4.625%
HK$80,809
+HK$4,046/mo
Deposit HK$9.57M · loan HK$14.35M · min. income ≈ HK$153,526/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,375
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,750
−HK$2,414/mo
Today · 4.125%
HK$81,164
baseline
▲ 0.50% · 4.625%
HK$86,103
+HK$4,939/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,328/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,966
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,245
−HK$2,311/mo
Today · 4.125%
HK$89,556
baseline
▲ 0.50% · 4.625%
HK$94,277
+HK$4,721/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,112/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,196
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,250
−HK$3,104/mo
Today · 4.125%
HK$104,354
baseline
▲ 0.50% · 4.625%
HK$110,703
+HK$6,349/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,708/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,242
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,172
−HK$2,972/mo
Today · 4.125%
HK$115,144
baseline
▲ 0.50% · 4.625%
HK$121,213
+HK$6,069/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,288/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,778 · Scale 2, in force from 26 Feb 2026)