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$1,014,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,528
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,152
−HK$1,646/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$1,014,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,289
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,320
−HK$2,064/mo
Today · 4.125%
HK$69,384
baseline
▲ 0.50% · 4.625%
HK$73,605
+HK$4,221/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$138,768/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,068 · 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$1,014,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,171
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,540
−HK$2,408/mo
Today · 4.125%
HK$80,948
baseline
▲ 0.50% · 4.625%
HK$85,873
+HK$4,925/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,896/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,739
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,012
−HK$2,306/mo
Today · 4.125%
HK$89,318
baseline
▲ 0.50% · 4.625%
HK$94,026
+HK$4,708/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,636/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,068 · 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$1,014,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,951
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,873
−HK$2,964/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$1,014,068 · Scale 2, in force from 26 Feb 2026)