LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,589
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,287
−HK$1,726/mo
Today · 4.125%
HK$58,013
baseline
▲ 0.50% · 4.625%
HK$61,543
+HK$3,530/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,026/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,730
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,359
−HK$1,652/mo
Today · 4.125%
HK$64,011
baseline
▲ 0.50% · 4.625%
HK$67,385
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,022/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,507
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,545
−HK$2,070/mo
Today · 4.125%
HK$69,615
baseline
▲ 0.50% · 4.625%
HK$73,851
+HK$4,236/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$139,230/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,876
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,831
−HK$1,982/mo
Today · 4.125%
HK$76,813
baseline
▲ 0.50% · 4.625%
HK$80,862
+HK$4,049/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$153,626/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,425
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,802
−HK$2,416/mo
Today · 4.125%
HK$81,218
baseline
▲ 0.50% · 4.625%
HK$86,160
+HK$4,942/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,436/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,022
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,302
−HK$2,314/mo
Today · 4.125%
HK$89,616
baseline
▲ 0.50% · 4.625%
HK$94,339
+HK$4,723/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,232/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,261
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,317
−HK$3,106/mo
Today · 4.125%
HK$104,423
baseline
▲ 0.50% · 4.625%
HK$110,777
+HK$6,354/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,846/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,314
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,246
−HK$2,974/mo
Today · 4.125%
HK$115,220
baseline
▲ 0.50% · 4.625%
HK$121,294
+HK$6,074/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,440/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,452 · Scale 2, in force from 26 Feb 2026)