LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,411
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,104
−HK$1,720/mo
Today · 4.125%
HK$57,824
baseline
▲ 0.50% · 4.625%
HK$61,342
+HK$3,518/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,648/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,532
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,156
−HK$1,647/mo
Today · 4.125%
HK$63,803
baseline
▲ 0.50% · 4.625%
HK$67,166
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,606/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,294
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,325
−HK$2,063/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$1,014,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,639
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,587
−HK$1,976/mo
Today · 4.125%
HK$76,563
baseline
▲ 0.50% · 4.625%
HK$80,599
+HK$4,036/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$1,014,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,176
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,546
−HK$2,407/mo
Today · 4.125%
HK$80,953
baseline
▲ 0.50% · 4.625%
HK$85,879
+HK$4,926/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,906/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,745
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,018
−HK$2,306/mo
Today · 4.125%
HK$89,324
baseline
▲ 0.50% · 4.625%
HK$94,032
+HK$4,708/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,648/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,941
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,987
−HK$3,095/mo
Today · 4.125%
HK$104,082
baseline
▲ 0.50% · 4.625%
HK$110,416
+HK$6,334/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$1,014,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,958
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,880
−HK$2,965/mo
Today · 4.125%
HK$114,845
baseline
▲ 0.50% · 4.625%
HK$120,898
+HK$6,053/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,690/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,136 · Scale 2, in force from 26 Feb 2026)