LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,601
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,300
−HK$1,725/mo
Today · 4.125%
HK$58,025
baseline
▲ 0.50% · 4.625%
HK$61,556
+HK$3,531/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,050/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,744
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,373
−HK$1,652/mo
Today · 4.125%
HK$64,025
baseline
▲ 0.50% · 4.625%
HK$67,400
+HK$3,375/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,050/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,522
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$67,560
−HK$2,070/mo
Today · 4.125%
HK$69,630
baseline
▲ 0.50% · 4.625%
HK$73,867
+HK$4,237/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,260/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,892
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,847
−HK$1,983/mo
Today · 4.125%
HK$76,830
baseline
▲ 0.50% · 4.625%
HK$80,880
+HK$4,050/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,660/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,442
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,820
−HK$2,416/mo
Today · 4.125%
HK$81,236
baseline
▲ 0.50% · 4.625%
HK$86,179
+HK$4,943/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,472/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,041
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,322
−HK$2,313/mo
Today · 4.125%
HK$89,635
baseline
▲ 0.50% · 4.625%
HK$94,360
+HK$4,725/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,270/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,283
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,340
−HK$3,106/mo
Today · 4.125%
HK$104,446
baseline
▲ 0.50% · 4.625%
HK$110,801
+HK$6,355/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,892/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,338
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,271
−HK$2,975/mo
Today · 4.125%
HK$115,246
baseline
▲ 0.50% · 4.625%
HK$121,320
+HK$6,074/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,492/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,675 · Scale 2, in force from 26 Feb 2026)