LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,580
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,278
−HK$1,725/mo
Today · 4.125%
HK$58,003
baseline
▲ 0.50% · 4.625%
HK$61,532
+HK$3,529/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,006/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,720
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,349
−HK$1,652/mo
Today · 4.125%
HK$64,001
baseline
▲ 0.50% · 4.625%
HK$67,374
+HK$3,373/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,002/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,496
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,534
−HK$2,070/mo
Today · 4.125%
HK$69,604
baseline
▲ 0.50% · 4.625%
HK$73,839
+HK$4,235/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$139,208/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,864
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,818
−HK$1,983/mo
Today · 4.125%
HK$76,801
baseline
▲ 0.50% · 4.625%
HK$80,849
+HK$4,048/mo
Deposit HK$9.57M · loan HK$14.36M · min. income ≈ HK$153,602/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,412
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,789
−HK$2,415/mo
Today · 4.125%
HK$81,204
baseline
▲ 0.50% · 4.625%
HK$86,145
+HK$4,941/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,408/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,008
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,288
−HK$2,313/mo
Today · 4.125%
HK$89,601
baseline
▲ 0.50% · 4.625%
HK$94,324
+HK$4,723/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,202/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,245
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,301
−HK$3,104/mo
Today · 4.125%
HK$104,405
baseline
▲ 0.50% · 4.625%
HK$110,758
+HK$6,353/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,810/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,296
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,227
−HK$2,974/mo
Today · 4.125%
HK$115,201
baseline
▲ 0.50% · 4.625%
HK$121,273
+HK$6,072/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,402/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,283 · Scale 2, in force from 26 Feb 2026)