LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,592
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,290
−HK$1,725/mo
Today · 4.125%
HK$58,015
baseline
▲ 0.50% · 4.625%
HK$61,545
+HK$3,530/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,030/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,733
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,362
−HK$1,652/mo
Today · 4.125%
HK$64,014
baseline
▲ 0.50% · 4.625%
HK$67,388
+HK$3,374/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,028/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,510
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,548
−HK$2,070/mo
Today · 4.125%
HK$69,618
baseline
▲ 0.50% · 4.625%
HK$73,854
+HK$4,236/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$139,236/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,880
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,834
−HK$1,983/mo
Today · 4.125%
HK$76,817
baseline
▲ 0.50% · 4.625%
HK$80,866
+HK$4,049/mo
Deposit HK$9.58M · loan HK$14.36M · min. income ≈ HK$153,634/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,017,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,429
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,806
−HK$2,415/mo
Today · 4.125%
HK$81,221
baseline
▲ 0.50% · 4.625%
HK$86,164
+HK$4,943/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,442/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,026
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,306
−HK$2,314/mo
Today · 4.125%
HK$89,620
baseline
▲ 0.50% · 4.625%
HK$94,344
+HK$4,724/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,240/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,265
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,322
−HK$3,106/mo
Today · 4.125%
HK$104,428
baseline
▲ 0.50% · 4.625%
HK$110,782
+HK$6,354/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,856/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,319
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,251
−HK$2,974/mo
Today · 4.125%
HK$115,225
baseline
▲ 0.50% · 4.625%
HK$121,299
+HK$6,074/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,450/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,498 · Scale 2, in force from 26 Feb 2026)