LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,412
−HK$3,412/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$1,014,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,533
−HK$3,270/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$1,014,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,294
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,325
−HK$2,064/mo
Today · 4.125%
HK$69,389
baseline
▲ 0.50% · 4.625%
HK$73,611
+HK$4,222/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$138,778/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,639
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,587
−HK$1,977/mo
Today · 4.125%
HK$76,564
baseline
▲ 0.50% · 4.625%
HK$80,599
+HK$4,035/mo
Deposit HK$9.54M · loan HK$14.32M · min. income ≈ HK$153,128/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,177
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,546
−HK$2,408/mo
Today · 4.125%
HK$80,954
baseline
▲ 0.50% · 4.625%
HK$85,879
+HK$4,925/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,908/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,746
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,018
−HK$2,306/mo
Today · 4.125%
HK$89,324
baseline
▲ 0.50% · 4.625%
HK$94,033
+HK$4,709/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$1,014,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,941
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,988
−HK$3,095/mo
Today · 4.125%
HK$104,083
baseline
▲ 0.50% · 4.625%
HK$110,416
+HK$6,333/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,166/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,959
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,881
−HK$2,964/mo
Today · 4.125%
HK$114,845
baseline
▲ 0.50% · 4.625%
HK$120,899
+HK$6,054/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$1,014,142 · Scale 2, in force from 26 Feb 2026)