LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,570
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,268
−HK$1,724/mo
Today · 4.125%
HK$57,992
baseline
▲ 0.50% · 4.625%
HK$61,521
+HK$3,529/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$115,984/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,709
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,337
−HK$1,652/mo
Today · 4.125%
HK$63,989
baseline
▲ 0.50% · 4.625%
HK$67,362
+HK$3,373/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$127,978/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,485
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,521
−HK$2,070/mo
Today · 4.125%
HK$69,591
baseline
▲ 0.50% · 4.625%
HK$73,825
+HK$4,234/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,182/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,851
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,805
−HK$1,982/mo
Today · 4.125%
HK$76,787
baseline
▲ 0.50% · 4.625%
HK$80,834
+HK$4,047/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,574/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,399
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,775
−HK$2,414/mo
Today · 4.125%
HK$81,189
baseline
▲ 0.50% · 4.625%
HK$86,130
+HK$4,941/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,378/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,993
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,272
−HK$2,313/mo
Today · 4.125%
HK$89,585
baseline
▲ 0.50% · 4.625%
HK$94,307
+HK$4,722/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,170/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,227
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,282
−HK$3,104/mo
Today · 4.125%
HK$104,386
baseline
▲ 0.50% · 4.625%
HK$110,738
+HK$6,352/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,772/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,276
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,207
−HK$2,973/mo
Today · 4.125%
HK$115,180
baseline
▲ 0.50% · 4.625%
HK$121,251
+HK$6,071/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,360/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,098 · Scale 2, in force from 26 Feb 2026)