LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,610
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,308
−HK$1,726/mo
Today · 4.125%
HK$58,034
baseline
▲ 0.50% · 4.625%
HK$61,565
+HK$3,531/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,068/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,753
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,382
−HK$1,653/mo
Today · 4.125%
HK$64,035
baseline
▲ 0.50% · 4.625%
HK$67,410
+HK$3,375/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,070/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,532
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,570
−HK$2,071/mo
Today · 4.125%
HK$69,641
baseline
▲ 0.50% · 4.625%
HK$73,878
+HK$4,237/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,282/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,903
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,858
−HK$1,984/mo
Today · 4.125%
HK$76,842
baseline
▲ 0.50% · 4.625%
HK$80,892
+HK$4,050/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,684/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,453
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,832
−HK$2,416/mo
Today · 4.125%
HK$81,248
baseline
▲ 0.50% · 4.625%
HK$86,191
+HK$4,943/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,496/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,054
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,335
−HK$2,314/mo
Today · 4.125%
HK$89,649
baseline
▲ 0.50% · 4.625%
HK$94,374
+HK$4,725/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,298/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,297
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,355
−HK$3,106/mo
Today · 4.125%
HK$104,461
baseline
▲ 0.50% · 4.625%
HK$110,818
+HK$6,357/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,922/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,355
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,288
−HK$2,975/mo
Today · 4.125%
HK$115,263
baseline
▲ 0.50% · 4.625%
HK$121,338
+HK$6,075/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,526/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,828 · Scale 2, in force from 26 Feb 2026)