LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,572
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,269
−HK$1,725/mo
Today · 4.125%
HK$57,994
baseline
▲ 0.50% · 4.625%
HK$61,522
+HK$3,528/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$115,988/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,710
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,338
−HK$1,652/mo
Today · 4.125%
HK$63,990
baseline
▲ 0.50% · 4.625%
HK$67,363
+HK$3,373/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$127,980/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,486
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,523
−HK$2,069/mo
Today · 4.125%
HK$69,592
baseline
▲ 0.50% · 4.625%
HK$73,827
+HK$4,235/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,184/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,852
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,806
−HK$1,982/mo
Today · 4.125%
HK$76,788
baseline
▲ 0.50% · 4.625%
HK$80,836
+HK$4,048/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,576/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,400
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,777
−HK$2,414/mo
Today · 4.125%
HK$81,191
baseline
▲ 0.50% · 4.625%
HK$86,131
+HK$4,940/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,382/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,994
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,274
−HK$2,312/mo
Today · 4.125%
HK$89,586
baseline
▲ 0.50% · 4.625%
HK$94,309
+HK$4,723/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,172/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,229
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,284
−HK$3,105/mo
Today · 4.125%
HK$104,389
baseline
▲ 0.50% · 4.625%
HK$110,740
+HK$6,351/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,778/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,278
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,209
−HK$2,973/mo
Today · 4.125%
HK$115,182
baseline
▲ 0.50% · 4.625%
HK$121,254
+HK$6,072/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,364/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,118 · Scale 2, in force from 26 Feb 2026)