LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,682
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,383
−HK$1,729/mo
Today · 4.125%
HK$58,112
baseline
▲ 0.50% · 4.625%
HK$61,647
+HK$3,535/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,224/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,834
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,465
−HK$1,655/mo
Today · 4.125%
HK$64,120
baseline
▲ 0.50% · 4.625%
HK$67,500
+HK$3,380/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,240/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,619
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,660
−HK$2,074/mo
Today · 4.125%
HK$69,734
baseline
▲ 0.50% · 4.625%
HK$73,977
+HK$4,243/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,468/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,000
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,958
−HK$1,986/mo
Today · 4.125%
HK$76,944
baseline
▲ 0.50% · 4.625%
HK$81,000
+HK$4,056/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,888/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,555
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,937
−HK$2,419/mo
Today · 4.125%
HK$81,356
baseline
▲ 0.50% · 4.625%
HK$86,306
+HK$4,950/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$162,712/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,167
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,451
−HK$2,317/mo
Today · 4.125%
HK$89,768
baseline
▲ 0.50% · 4.625%
HK$94,500
+HK$4,732/mo
Deposit HK$7.19M · loan HK$16.79M · min. income ≈ HK$179,536/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,428
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,490
−HK$3,111/mo
Today · 4.125%
HK$104,601
baseline
▲ 0.50% · 4.625%
HK$110,965
+HK$6,364/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$209,202/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,501
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,437
−HK$2,980/mo
Today · 4.125%
HK$115,417
baseline
▲ 0.50% · 4.625%
HK$121,500
+HK$6,083/mo
Deposit HK$2.40M · loan HK$21.58M · min. income ≈ HK$230,834/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,186 · Scale 2, in force from 26 Feb 2026)