LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,578
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,276
−HK$1,724/mo
Today · 4.125%
HK$58,000
baseline
▲ 0.50% · 4.625%
HK$61,530
+HK$3,530/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,000/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,717
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,346
−HK$1,652/mo
Today · 4.125%
HK$63,998
baseline
▲ 0.50% · 4.625%
HK$67,371
+HK$3,373/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$127,996/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,017,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,493
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,531
−HK$2,070/mo
Today · 4.125%
HK$69,601
baseline
▲ 0.50% · 4.625%
HK$73,836
+HK$4,235/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,202/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,861
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,815
−HK$1,982/mo
Today · 4.125%
HK$76,797
baseline
▲ 0.50% · 4.625%
HK$80,845
+HK$4,048/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,594/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,409
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,786
−HK$2,415/mo
Today · 4.125%
HK$81,201
baseline
▲ 0.50% · 4.625%
HK$86,141
+HK$4,940/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$162,402/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,004
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,284
−HK$2,313/mo
Today · 4.125%
HK$89,597
baseline
▲ 0.50% · 4.625%
HK$94,320
+HK$4,723/mo
Deposit HK$7.18M · loan HK$16.75M · min. income ≈ HK$179,194/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,240
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,296
−HK$3,105/mo
Today · 4.125%
HK$104,401
baseline
▲ 0.50% · 4.625%
HK$110,753
+HK$6,352/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,802/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,291
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,222
−HK$2,974/mo
Today · 4.125%
HK$115,196
baseline
▲ 0.50% · 4.625%
HK$121,268
+HK$6,072/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,392/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,237 · Scale 2, in force from 26 Feb 2026)