LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,411
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,104
−HK$1,719/mo
Today · 4.125%
HK$57,823
baseline
▲ 0.50% · 4.625%
HK$61,342
+HK$3,519/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,646/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,532
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,155
−HK$1,647/mo
Today · 4.125%
HK$63,802
baseline
▲ 0.50% · 4.625%
HK$67,165
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,604/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,293
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,324
−HK$2,064/mo
Today · 4.125%
HK$69,388
baseline
▲ 0.50% · 4.625%
HK$73,610
+HK$4,222/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$138,776/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,638
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,586
−HK$1,977/mo
Today · 4.125%
HK$76,563
baseline
▲ 0.50% · 4.625%
HK$80,598
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$153,126/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,176
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,545
−HK$2,407/mo
Today · 4.125%
HK$80,952
baseline
▲ 0.50% · 4.625%
HK$85,878
+HK$4,926/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,904/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,745
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,017
−HK$2,306/mo
Today · 4.125%
HK$89,323
baseline
▲ 0.50% · 4.625%
HK$94,031
+HK$4,708/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,646/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,940
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,986
−HK$3,096/mo
Today · 4.125%
HK$104,082
baseline
▲ 0.50% · 4.625%
HK$110,415
+HK$6,333/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,164/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,957
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,879
−HK$2,965/mo
Today · 4.125%
HK$114,844
baseline
▲ 0.50% · 4.625%
HK$120,897
+HK$6,053/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,688/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,129 · Scale 2, in force from 26 Feb 2026)