LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,589
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,287
−HK$1,725/mo
Today · 4.125%
HK$58,012
baseline
▲ 0.50% · 4.625%
HK$61,542
+HK$3,530/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,024/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,729
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,358
−HK$1,652/mo
Today · 4.125%
HK$64,010
baseline
▲ 0.50% · 4.625%
HK$67,384
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,020/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,506
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,544
−HK$2,070/mo
Today · 4.125%
HK$69,614
baseline
▲ 0.50% · 4.625%
HK$73,850
+HK$4,236/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$139,228/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,875
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,830
−HK$1,982/mo
Today · 4.125%
HK$76,812
baseline
▲ 0.50% · 4.625%
HK$80,861
+HK$4,049/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$153,624/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,424
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,801
−HK$2,415/mo
Today · 4.125%
HK$81,216
baseline
▲ 0.50% · 4.625%
HK$86,158
+HK$4,942/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,432/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,021
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,301
−HK$2,313/mo
Today · 4.125%
HK$89,614
baseline
▲ 0.50% · 4.625%
HK$94,338
+HK$4,724/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,228/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,259
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,316
−HK$3,105/mo
Today · 4.125%
HK$104,421
baseline
▲ 0.50% · 4.625%
HK$110,775
+HK$6,354/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,842/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,313
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,244
−HK$2,975/mo
Today · 4.125%
HK$115,219
baseline
▲ 0.50% · 4.625%
HK$121,292
+HK$6,073/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,438/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,437 · Scale 2, in force from 26 Feb 2026)