LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,689
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,390
−HK$1,728/mo
Today · 4.125%
HK$58,118
baseline
▲ 0.50% · 4.625%
HK$61,655
+HK$3,537/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,236/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,841
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,473
−HK$1,655/mo
Today · 4.125%
HK$64,128
baseline
▲ 0.50% · 4.625%
HK$67,508
+HK$3,380/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,256/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,627
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,668
−HK$2,074/mo
Today · 4.125%
HK$69,742
baseline
▲ 0.50% · 4.625%
HK$73,986
+HK$4,244/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,484/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,009
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,967
−HK$1,987/mo
Today · 4.125%
HK$76,954
baseline
▲ 0.50% · 4.625%
HK$81,010
+HK$4,056/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,908/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,565
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,946
−HK$2,420/mo
Today · 4.125%
HK$81,366
baseline
▲ 0.50% · 4.625%
HK$86,317
+HK$4,951/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,732/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,177
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,462
−HK$2,317/mo
Today · 4.125%
HK$89,779
baseline
▲ 0.50% · 4.625%
HK$94,512
+HK$4,733/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,558/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,019,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,440
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,502
−HK$3,111/mo
Today · 4.125%
HK$104,613
baseline
▲ 0.50% · 4.625%
HK$110,979
+HK$6,366/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,226/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,514
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,451
−HK$2,979/mo
Today · 4.125%
HK$115,430
baseline
▲ 0.50% · 4.625%
HK$121,515
+HK$6,085/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,860/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,307 · Scale 2, in force from 26 Feb 2026)