LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,625
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,324
−HK$1,726/mo
Today · 4.125%
HK$58,050
baseline
▲ 0.50% · 4.625%
HK$61,583
+HK$3,533/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,100/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,770
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,400
−HK$1,653/mo
Today · 4.125%
HK$64,053
baseline
▲ 0.50% · 4.625%
HK$67,429
+HK$3,376/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,106/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,550
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,589
−HK$2,072/mo
Today · 4.125%
HK$69,661
baseline
▲ 0.50% · 4.625%
HK$73,899
+HK$4,238/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$139,322/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,924
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,880
−HK$1,984/mo
Today · 4.125%
HK$76,864
baseline
▲ 0.50% · 4.625%
HK$80,915
+HK$4,051/mo
Deposit HK$9.58M · loan HK$14.37M · min. income ≈ HK$153,728/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,475
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$78,854
−HK$2,417/mo
Today · 4.125%
HK$81,271
baseline
▲ 0.50% · 4.625%
HK$86,216
+HK$4,945/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,542/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,018,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,078
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,359
−HK$2,315/mo
Today · 4.125%
HK$89,674
baseline
▲ 0.50% · 4.625%
HK$94,401
+HK$4,727/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,348/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,018,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,325
−HK$6,166/mo
▼ 0.25% · 3.875%
HK$101,383
−HK$3,108/mo
Today · 4.125%
HK$104,491
baseline
▲ 0.50% · 4.625%
HK$110,849
+HK$6,358/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$208,982/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,386
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,319
−HK$2,976/mo
Today · 4.125%
HK$115,295
baseline
▲ 0.50% · 4.625%
HK$121,373
+HK$6,078/mo
Deposit HK$2.40M · loan HK$21.56M · min. income ≈ HK$230,590/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,115 · Scale 2, in force from 26 Feb 2026)