LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,407
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,099
−HK$1,720/mo
Today · 4.125%
HK$57,819
baseline
▲ 0.50% · 4.625%
HK$61,337
+HK$3,518/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,638/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,527
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,151
−HK$1,646/mo
Today · 4.125%
HK$63,797
baseline
▲ 0.50% · 4.625%
HK$67,160
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,594/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,288
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,319
−HK$2,064/mo
Today · 4.125%
HK$69,383
baseline
▲ 0.50% · 4.625%
HK$73,604
+HK$4,221/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$138,766/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,633
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,581
−HK$1,976/mo
Today · 4.125%
HK$76,557
baseline
▲ 0.50% · 4.625%
HK$80,592
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$153,114/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,170
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,539
−HK$2,407/mo
Today · 4.125%
HK$80,946
baseline
▲ 0.50% · 4.625%
HK$85,872
+HK$4,926/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,892/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,738
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,011
−HK$2,305/mo
Today · 4.125%
HK$89,316
baseline
▲ 0.50% · 4.625%
HK$94,024
+HK$4,708/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,632/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,933
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,979
−HK$3,095/mo
Today · 4.125%
HK$104,074
baseline
▲ 0.50% · 4.625%
HK$110,407
+HK$6,333/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,148/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,949
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,871
−HK$2,964/mo
Today · 4.125%
HK$114,835
baseline
▲ 0.50% · 4.625%
HK$120,888
+HK$6,053/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,670/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,052 · Scale 2, in force from 26 Feb 2026)