LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,607
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,305
−HK$1,726/mo
Today · 4.125%
HK$58,031
baseline
▲ 0.50% · 4.625%
HK$61,562
+HK$3,531/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,062/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,749
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,379
−HK$1,653/mo
Today · 4.125%
HK$64,032
baseline
▲ 0.50% · 4.625%
HK$67,407
+HK$3,375/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,064/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,528
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,566
−HK$2,071/mo
Today · 4.125%
HK$69,637
baseline
▲ 0.50% · 4.625%
HK$73,875
+HK$4,238/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,274/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,899
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,855
−HK$1,983/mo
Today · 4.125%
HK$76,838
baseline
▲ 0.50% · 4.625%
HK$80,888
+HK$4,050/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,676/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,449
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,827
−HK$2,417/mo
Today · 4.125%
HK$81,244
baseline
▲ 0.50% · 4.625%
HK$86,187
+HK$4,943/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,488/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,049
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,330
−HK$2,314/mo
Today · 4.125%
HK$89,644
baseline
▲ 0.50% · 4.625%
HK$94,369
+HK$4,725/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,288/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,292
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,350
−HK$3,106/mo
Today · 4.125%
HK$104,456
baseline
▲ 0.50% · 4.625%
HK$110,812
+HK$6,356/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,912/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,349
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,282
−HK$2,975/mo
Today · 4.125%
HK$115,257
baseline
▲ 0.50% · 4.625%
HK$121,332
+HK$6,075/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,514/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,775 · Scale 2, in force from 26 Feb 2026)