LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,414
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,107
−HK$1,719/mo
Today · 4.125%
HK$57,826
baseline
▲ 0.50% · 4.625%
HK$61,345
+HK$3,519/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$1,014,181 · 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$67,169
+HK$3,364/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$1,014,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,297
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,328
−HK$2,063/mo
Today · 4.125%
HK$69,391
baseline
▲ 0.50% · 4.625%
HK$73,614
+HK$4,223/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$1,014,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,642
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,590
−HK$1,977/mo
Today · 4.125%
HK$76,567
baseline
▲ 0.50% · 4.625%
HK$80,603
+HK$4,036/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,134/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,180
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,549
−HK$2,408/mo
Today · 4.125%
HK$80,957
baseline
▲ 0.50% · 4.625%
HK$85,883
+HK$4,926/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,914/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,749
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,022
−HK$2,306/mo
Today · 4.125%
HK$89,328
baseline
▲ 0.50% · 4.625%
HK$94,036
+HK$4,708/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,656/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,945
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,992
−HK$3,095/mo
Today · 4.125%
HK$104,087
baseline
▲ 0.50% · 4.625%
HK$110,421
+HK$6,334/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,174/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,963
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,885
−HK$2,965/mo
Today · 4.125%
HK$114,850
baseline
▲ 0.50% · 4.625%
HK$120,904
+HK$6,054/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,700/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,181 · Scale 2, in force from 26 Feb 2026)