LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,575
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,273
−HK$1,724/mo
Today · 4.125%
HK$57,997
baseline
▲ 0.50% · 4.625%
HK$61,526
+HK$3,529/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$115,994/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,714
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,342
−HK$1,652/mo
Today · 4.125%
HK$63,994
baseline
▲ 0.50% · 4.625%
HK$67,367
+HK$3,373/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$127,988/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,490
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,527
−HK$2,070/mo
Today · 4.125%
HK$69,597
baseline
▲ 0.50% · 4.625%
HK$73,831
+HK$4,234/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,194/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,857
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,811
−HK$1,982/mo
Today · 4.125%
HK$76,793
baseline
▲ 0.50% · 4.625%
HK$80,841
+HK$4,048/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,586/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,405
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,782
−HK$2,414/mo
Today · 4.125%
HK$81,196
baseline
▲ 0.50% · 4.625%
HK$86,137
+HK$4,941/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,392/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,000
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,279
−HK$2,313/mo
Today · 4.125%
HK$89,592
baseline
▲ 0.50% · 4.625%
HK$94,314
+HK$4,722/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,184/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,235
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,291
−HK$3,104/mo
Today · 4.125%
HK$104,395
baseline
▲ 0.50% · 4.625%
HK$110,747
+HK$6,352/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,790/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,285
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,216
−HK$2,974/mo
Today · 4.125%
HK$115,190
baseline
▲ 0.50% · 4.625%
HK$121,261
+HK$6,071/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,380/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,182 · Scale 2, in force from 26 Feb 2026)