LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,614
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,313
−HK$1,726/mo
Today · 4.125%
HK$58,039
baseline
▲ 0.50% · 4.625%
HK$61,570
+HK$3,531/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,078/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,757
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,387
−HK$1,653/mo
Today · 4.125%
HK$64,040
baseline
▲ 0.50% · 4.625%
HK$67,416
+HK$3,376/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,080/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,017,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,537
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,575
−HK$2,071/mo
Today · 4.125%
HK$69,646
baseline
▲ 0.50% · 4.625%
HK$73,884
+HK$4,238/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,292/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,909
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,864
−HK$1,984/mo
Today · 4.125%
HK$76,848
baseline
▲ 0.50% · 4.625%
HK$80,899
+HK$4,051/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,696/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,017,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,460
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,838
−HK$2,416/mo
Today · 4.125%
HK$81,254
baseline
▲ 0.50% · 4.625%
HK$86,198
+HK$4,944/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,508/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,060
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,342
−HK$2,314/mo
Today · 4.125%
HK$89,656
baseline
▲ 0.50% · 4.625%
HK$94,382
+HK$4,726/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,312/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,305
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,363
−HK$3,107/mo
Today · 4.125%
HK$104,470
baseline
▲ 0.50% · 4.625%
HK$110,826
+HK$6,356/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$208,940/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,363
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,297
−HK$2,975/mo
Today · 4.125%
HK$115,272
baseline
▲ 0.50% · 4.625%
HK$121,348
+HK$6,076/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$230,544/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,017,909 · Scale 2, in force from 26 Feb 2026)