LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,414
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,106
−HK$1,720/mo
Today · 4.125%
HK$57,826
baseline
▲ 0.50% · 4.625%
HK$61,344
+HK$3,518/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,652/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,535
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,158
−HK$1,647/mo
Today · 4.125%
HK$63,805
baseline
▲ 0.50% · 4.625%
HK$67,168
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,610/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,296
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,327
−HK$2,064/mo
Today · 4.125%
HK$69,391
baseline
▲ 0.50% · 4.625%
HK$73,613
+HK$4,222/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,782/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,641
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,590
−HK$1,976/mo
Today · 4.125%
HK$76,566
baseline
▲ 0.50% · 4.625%
HK$80,602
+HK$4,036/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,132/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,179
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,549
−HK$2,407/mo
Today · 4.125%
HK$80,956
baseline
▲ 0.50% · 4.625%
HK$85,882
+HK$4,926/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,912/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,748
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,021
−HK$2,306/mo
Today · 4.125%
HK$89,327
baseline
▲ 0.50% · 4.625%
HK$94,036
+HK$4,709/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,654/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,944
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,991
−HK$3,095/mo
Today · 4.125%
HK$104,086
baseline
▲ 0.50% · 4.625%
HK$110,420
+HK$6,334/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,172/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,962
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,885
−HK$2,964/mo
Today · 4.125%
HK$114,849
baseline
▲ 0.50% · 4.625%
HK$120,903
+HK$6,054/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,698/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,174 · Scale 2, in force from 26 Feb 2026)