LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,608
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,307
−HK$1,725/mo
Today · 4.125%
HK$58,032
baseline
▲ 0.50% · 4.625%
HK$61,564
+HK$3,532/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,064/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,751
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,380
−HK$1,653/mo
Today · 4.125%
HK$64,033
baseline
▲ 0.50% · 4.625%
HK$67,408
+HK$3,375/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,066/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,530
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,568
−HK$2,071/mo
Today · 4.125%
HK$69,639
baseline
▲ 0.50% · 4.625%
HK$73,876
+HK$4,237/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,278/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,901
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,856
−HK$1,984/mo
Today · 4.125%
HK$76,840
baseline
▲ 0.50% · 4.625%
HK$80,890
+HK$4,050/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,680/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,451
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,829
−HK$2,416/mo
Today · 4.125%
HK$81,245
baseline
▲ 0.50% · 4.625%
HK$86,189
+HK$4,944/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,490/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,051
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,332
−HK$2,314/mo
Today · 4.125%
HK$89,646
baseline
▲ 0.50% · 4.625%
HK$94,372
+HK$4,726/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,292/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,294
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,352
−HK$3,106/mo
Today · 4.125%
HK$104,458
baseline
▲ 0.50% · 4.625%
HK$110,814
+HK$6,356/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,916/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,352
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,284
−HK$2,976/mo
Today · 4.125%
HK$115,260
baseline
▲ 0.50% · 4.625%
HK$121,335
+HK$6,075/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,520/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,799 · Scale 2, in force from 26 Feb 2026)