LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,572
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,270
−HK$1,725/mo
Today · 4.125%
HK$57,995
baseline
▲ 0.50% · 4.625%
HK$61,523
+HK$3,528/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$115,990/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,711
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,340
−HK$1,651/mo
Today · 4.125%
HK$63,991
baseline
▲ 0.50% · 4.625%
HK$67,364
+HK$3,373/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$127,982/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,487
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,524
−HK$2,070/mo
Today · 4.125%
HK$69,594
baseline
▲ 0.50% · 4.625%
HK$73,828
+HK$4,234/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,188/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,854
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,807
−HK$1,983/mo
Today · 4.125%
HK$76,790
baseline
▲ 0.50% · 4.625%
HK$80,837
+HK$4,047/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,580/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,401
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,778
−HK$2,414/mo
Today · 4.125%
HK$81,192
baseline
▲ 0.50% · 4.625%
HK$86,133
+HK$4,941/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,384/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,996
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,275
−HK$2,313/mo
Today · 4.125%
HK$89,588
baseline
▲ 0.50% · 4.625%
HK$94,310
+HK$4,722/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,176/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,230
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,286
−HK$3,104/mo
Today · 4.125%
HK$104,390
baseline
▲ 0.50% · 4.625%
HK$110,742
+HK$6,352/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,780/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,280
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,211
−HK$2,973/mo
Today · 4.125%
HK$115,184
baseline
▲ 0.50% · 4.625%
HK$121,256
+HK$6,072/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,368/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,135 · Scale 2, in force from 26 Feb 2026)