LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,559
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,256
−HK$1,724/mo
Today · 4.125%
HK$57,980
baseline
▲ 0.50% · 4.625%
HK$61,508
+HK$3,528/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$115,960/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,696
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,324
−HK$1,651/mo
Today · 4.125%
HK$63,975
baseline
▲ 0.50% · 4.625%
HK$67,348
+HK$3,373/mo
Deposit HK$11.96M · loan HK$11.96M · min. income ≈ HK$127,950/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,016,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,471
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,507
−HK$2,069/mo
Today · 4.125%
HK$69,576
baseline
▲ 0.50% · 4.625%
HK$73,810
+HK$4,234/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,152/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,835
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,789
−HK$1,981/mo
Today · 4.125%
HK$76,770
baseline
▲ 0.50% · 4.625%
HK$80,817
+HK$4,047/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,540/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,016,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,382
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,758
−HK$2,414/mo
Today · 4.125%
HK$81,172
baseline
▲ 0.50% · 4.625%
HK$86,111
+HK$4,939/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,344/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,975
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,254
−HK$2,312/mo
Today · 4.125%
HK$89,566
baseline
▲ 0.50% · 4.625%
HK$94,287
+HK$4,721/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,132/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$1,016,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,206
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,261
−HK$3,103/mo
Today · 4.125%
HK$104,364
baseline
▲ 0.50% · 4.625%
HK$110,715
+HK$6,351/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$208,728/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,253
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,183
−HK$2,973/mo
Today · 4.125%
HK$115,156
baseline
▲ 0.50% · 4.625%
HK$121,226
+HK$6,070/mo
Deposit HK$2.39M · loan HK$21.53M · min. income ≈ HK$230,312/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,016,882 · Scale 2, in force from 26 Feb 2026)