LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,590
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,288
−HK$1,725/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$1,017,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,731
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,360
−HK$1,652/mo
Today · 4.125%
HK$64,012
baseline
▲ 0.50% · 4.625%
HK$67,386
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,024/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,508
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,546
−HK$2,070/mo
Today · 4.125%
HK$69,616
baseline
▲ 0.50% · 4.625%
HK$73,852
+HK$4,236/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$139,232/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,877
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,832
−HK$1,983/mo
Today · 4.125%
HK$76,815
baseline
▲ 0.50% · 4.625%
HK$80,864
+HK$4,049/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$153,630/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,426
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,804
−HK$2,415/mo
Today · 4.125%
HK$81,219
baseline
▲ 0.50% · 4.625%
HK$86,161
+HK$4,942/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,438/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,023
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,304
−HK$2,313/mo
Today · 4.125%
HK$89,617
baseline
▲ 0.50% · 4.625%
HK$94,341
+HK$4,724/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,234/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,262
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,319
−HK$3,105/mo
Today · 4.125%
HK$104,424
baseline
▲ 0.50% · 4.625%
HK$110,778
+HK$6,354/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,848/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,316
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,248
−HK$2,974/mo
Today · 4.125%
HK$115,222
baseline
▲ 0.50% · 4.625%
HK$121,295
+HK$6,073/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,444/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,466 · Scale 2, in force from 26 Feb 2026)