LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,584
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,282
−HK$1,725/mo
Today · 4.125%
HK$58,007
baseline
▲ 0.50% · 4.625%
HK$61,536
+HK$3,529/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,014/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,724
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,352
−HK$1,653/mo
Today · 4.125%
HK$64,005
baseline
▲ 0.50% · 4.625%
HK$67,378
+HK$3,373/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,010/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,500
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,538
−HK$2,070/mo
Today · 4.125%
HK$69,608
baseline
▲ 0.50% · 4.625%
HK$73,843
+HK$4,235/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$139,216/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,869
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,823
−HK$1,983/mo
Today · 4.125%
HK$76,806
baseline
▲ 0.50% · 4.625%
HK$80,854
+HK$4,048/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$153,612/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,417
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,794
−HK$2,415/mo
Today · 4.125%
HK$81,209
baseline
▲ 0.50% · 4.625%
HK$86,151
+HK$4,942/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,418/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,013
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,293
−HK$2,313/mo
Today · 4.125%
HK$89,606
baseline
▲ 0.50% · 4.625%
HK$94,330
+HK$4,724/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,212/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,251
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,307
−HK$3,105/mo
Today · 4.125%
HK$104,412
baseline
▲ 0.50% · 4.625%
HK$110,765
+HK$6,353/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,824/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,303
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,234
−HK$2,974/mo
Today · 4.125%
HK$115,208
baseline
▲ 0.50% · 4.625%
HK$121,281
+HK$6,073/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,416/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,346 · Scale 2, in force from 26 Feb 2026)