LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,408
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,100
−HK$1,720/mo
Today · 4.125%
HK$57,820
baseline
▲ 0.50% · 4.625%
HK$61,338
+HK$3,518/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,640/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,528
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,151
−HK$1,647/mo
Today · 4.125%
HK$63,798
baseline
▲ 0.50% · 4.625%
HK$67,161
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,596/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,014,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,289
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,320
−HK$2,063/mo
Today · 4.125%
HK$69,383
baseline
▲ 0.50% · 4.625%
HK$73,605
+HK$4,222/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$1,014,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,634
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,582
−HK$1,976/mo
Today · 4.125%
HK$76,558
baseline
▲ 0.50% · 4.625%
HK$80,593
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$153,116/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,171
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,540
−HK$2,407/mo
Today · 4.125%
HK$80,947
baseline
▲ 0.50% · 4.625%
HK$85,873
+HK$4,926/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,894/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,739
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,012
−HK$2,305/mo
Today · 4.125%
HK$89,317
baseline
▲ 0.50% · 4.625%
HK$94,025
+HK$4,708/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,634/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,934
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,980
−HK$3,095/mo
Today · 4.125%
HK$104,075
baseline
▲ 0.50% · 4.625%
HK$110,408
+HK$6,333/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,150/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,950
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,872
−HK$2,965/mo
Today · 4.125%
HK$114,837
baseline
▲ 0.50% · 4.625%
HK$120,890
+HK$6,053/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,674/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,065 · Scale 2, in force from 26 Feb 2026)