LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,586
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,284
−HK$1,725/mo
Today · 4.125%
HK$58,009
baseline
▲ 0.50% · 4.625%
HK$61,538
+HK$3,529/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,018/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,726
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,355
−HK$1,652/mo
Today · 4.125%
HK$64,007
baseline
▲ 0.50% · 4.625%
HK$67,381
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,014/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,503
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,540
−HK$2,070/mo
Today · 4.125%
HK$69,610
baseline
▲ 0.50% · 4.625%
HK$73,846
+HK$4,236/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$139,220/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,871
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,825
−HK$1,983/mo
Today · 4.125%
HK$76,808
baseline
▲ 0.50% · 4.625%
HK$80,857
+HK$4,049/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$153,616/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,420
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,797
−HK$2,415/mo
Today · 4.125%
HK$81,212
baseline
▲ 0.50% · 4.625%
HK$86,154
+HK$4,942/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,424/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,016
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,296
−HK$2,313/mo
Today · 4.125%
HK$89,609
baseline
▲ 0.50% · 4.625%
HK$94,333
+HK$4,724/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,218/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,254
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,310
−HK$3,105/mo
Today · 4.125%
HK$104,415
baseline
▲ 0.50% · 4.625%
HK$110,769
+HK$6,354/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$208,830/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,307
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,238
−HK$2,974/mo
Today · 4.125%
HK$115,212
baseline
▲ 0.50% · 4.625%
HK$121,285
+HK$6,073/mo
Deposit HK$2.39M · loan HK$21.54M · min. income ≈ HK$230,424/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,381 · Scale 2, in force from 26 Feb 2026)