LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,587
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,285
−HK$1,726/mo
Today · 4.125%
HK$58,011
baseline
▲ 0.50% · 4.625%
HK$61,540
+HK$3,529/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,022/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,728
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,357
−HK$1,652/mo
Today · 4.125%
HK$64,009
baseline
▲ 0.50% · 4.625%
HK$67,383
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,018/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,505
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,542
−HK$2,071/mo
Today · 4.125%
HK$69,613
baseline
▲ 0.50% · 4.625%
HK$73,848
+HK$4,235/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$139,226/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,874
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,828
−HK$1,983/mo
Today · 4.125%
HK$76,811
baseline
▲ 0.50% · 4.625%
HK$80,859
+HK$4,048/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$153,622/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,422
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,800
−HK$2,415/mo
Today · 4.125%
HK$81,215
baseline
▲ 0.50% · 4.625%
HK$86,156
+HK$4,941/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,430/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,019
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,299
−HK$2,313/mo
Today · 4.125%
HK$89,612
baseline
▲ 0.50% · 4.625%
HK$94,336
+HK$4,724/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,224/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,257
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,314
−HK$3,105/mo
Today · 4.125%
HK$104,419
baseline
▲ 0.50% · 4.625%
HK$110,773
+HK$6,354/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,838/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,310
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,242
−HK$2,974/mo
Today · 4.125%
HK$115,216
baseline
▲ 0.50% · 4.625%
HK$121,289
+HK$6,073/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,432/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,415 · Scale 2, in force from 26 Feb 2026)