LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,695
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,396
−HK$1,729/mo
Today · 4.125%
HK$58,125
baseline
▲ 0.50% · 4.625%
HK$61,662
+HK$3,537/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$116,250/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,848
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,479
−HK$1,656/mo
Today · 4.125%
HK$64,135
baseline
▲ 0.50% · 4.625%
HK$67,516
+HK$3,381/mo
Deposit HK$11.99M · loan HK$11.99M · min. income ≈ HK$128,270/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,019,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,634
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$67,676
−HK$2,074/mo
Today · 4.125%
HK$69,750
baseline
▲ 0.50% · 4.625%
HK$73,994
+HK$4,244/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$139,500/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,017
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$74,975
−HK$1,987/mo
Today · 4.125%
HK$76,962
baseline
▲ 0.50% · 4.625%
HK$81,019
+HK$4,057/mo
Deposit HK$9.59M · loan HK$14.39M · min. income ≈ HK$153,924/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$1,019,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,573
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,955
−HK$2,420/mo
Today · 4.125%
HK$81,375
baseline
▲ 0.50% · 4.625%
HK$86,326
+HK$4,951/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$162,750/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,187
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,471
−HK$2,318/mo
Today · 4.125%
HK$89,789
baseline
▲ 0.50% · 4.625%
HK$94,522
+HK$4,733/mo
Deposit HK$7.20M · loan HK$16.79M · min. income ≈ HK$179,578/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$1,019,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,451
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,513
−HK$3,112/mo
Today · 4.125%
HK$104,625
baseline
▲ 0.50% · 4.625%
HK$110,991
+HK$6,366/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$209,250/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,526
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,463
−HK$2,980/mo
Today · 4.125%
HK$115,443
baseline
▲ 0.50% · 4.625%
HK$121,528
+HK$6,085/mo
Deposit HK$2.40M · loan HK$21.59M · min. income ≈ HK$230,886/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$1,019,419 · Scale 2, in force from 26 Feb 2026)