LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,667
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,368
−HK$1,728/mo
Today · 4.125%
HK$58,096
baseline
▲ 0.50% · 4.625%
HK$61,631
+HK$3,535/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,192/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,018,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,817
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,448
−HK$1,655/mo
Today · 4.125%
HK$64,103
baseline
▲ 0.50% · 4.625%
HK$67,482
+HK$3,379/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,206/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,018,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,601
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,641
−HK$2,074/mo
Today · 4.125%
HK$69,715
baseline
▲ 0.50% · 4.625%
HK$73,957
+HK$4,242/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$139,430/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,980
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,938
−HK$1,985/mo
Today · 4.125%
HK$76,923
baseline
▲ 0.50% · 4.625%
HK$80,978
+HK$4,055/mo
Deposit HK$9.59M · loan HK$14.38M · min. income ≈ HK$153,846/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,018,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,534
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,915
−HK$2,419/mo
Today · 4.125%
HK$81,334
baseline
▲ 0.50% · 4.625%
HK$86,283
+HK$4,949/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$162,668/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,144
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,427
−HK$2,317/mo
Today · 4.125%
HK$89,744
baseline
▲ 0.50% · 4.625%
HK$94,474
+HK$4,730/mo
Deposit HK$7.19M · loan HK$16.78M · min. income ≈ HK$179,488/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,401
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,462
−HK$3,110/mo
Today · 4.125%
HK$104,572
baseline
▲ 0.50% · 4.625%
HK$110,935
+HK$6,363/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,144/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,471
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,406
−HK$2,979/mo
Today · 4.125%
HK$115,385
baseline
▲ 0.50% · 4.625%
HK$121,467
+HK$6,082/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,770/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,018,906 · Scale 2, in force from 26 Feb 2026)