LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,610
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,309
−HK$1,726/mo
Today · 4.125%
HK$58,035
baseline
▲ 0.50% · 4.625%
HK$61,566
+HK$3,531/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$116,070/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,753
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,383
−HK$1,653/mo
Today · 4.125%
HK$64,036
baseline
▲ 0.50% · 4.625%
HK$67,411
+HK$3,375/mo
Deposit HK$11.97M · loan HK$11.97M · min. income ≈ HK$128,072/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,532
−HK$4,110/mo
▼ 0.25% · 3.875%
HK$67,571
−HK$2,071/mo
Today · 4.125%
HK$69,642
baseline
▲ 0.50% · 4.625%
HK$73,879
+HK$4,237/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,284/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,904
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,859
−HK$1,984/mo
Today · 4.125%
HK$76,843
baseline
▲ 0.50% · 4.625%
HK$80,893
+HK$4,050/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,686/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,454
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,832
−HK$2,417/mo
Today · 4.125%
HK$81,249
baseline
▲ 0.50% · 4.625%
HK$86,192
+HK$4,943/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,498/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,055
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,336
−HK$2,314/mo
Today · 4.125%
HK$89,650
baseline
▲ 0.50% · 4.625%
HK$94,375
+HK$4,725/mo
Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$179,300/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,298
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,356
−HK$3,106/mo
Today · 4.125%
HK$104,462
baseline
▲ 0.50% · 4.625%
HK$110,819
+HK$6,357/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$208,924/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,356
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,289
−HK$2,975/mo
Today · 4.125%
HK$115,264
baseline
▲ 0.50% · 4.625%
HK$121,340
+HK$6,076/mo
Deposit HK$2.39M · loan HK$21.55M · min. income ≈ HK$230,528/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,838 · Scale 2, in force from 26 Feb 2026)