LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,416
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,109
−HK$1,719/mo
Today · 4.125%
HK$57,828
baseline
▲ 0.50% · 4.625%
HK$61,347
+HK$3,519/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,656/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,537
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,161
−HK$1,647/mo
Today · 4.125%
HK$63,808
baseline
▲ 0.50% · 4.625%
HK$67,171
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,616/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,299
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,330
−HK$2,064/mo
Today · 4.125%
HK$69,394
baseline
▲ 0.50% · 4.625%
HK$73,617
+HK$4,223/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,788/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,645
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,593
−HK$1,976/mo
Today · 4.125%
HK$76,569
baseline
▲ 0.50% · 4.625%
HK$80,606
+HK$4,037/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,138/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,182
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,552
−HK$2,408/mo
Today · 4.125%
HK$80,960
baseline
▲ 0.50% · 4.625%
HK$85,886
+HK$4,926/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,920/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,752
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,025
−HK$2,306/mo
Today · 4.125%
HK$89,331
baseline
▲ 0.50% · 4.625%
HK$94,040
+HK$4,709/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,662/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,949
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,996
−HK$3,095/mo
Today · 4.125%
HK$104,091
baseline
▲ 0.50% · 4.625%
HK$110,425
+HK$6,334/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,182/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,967
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,890
−HK$2,964/mo
Today · 4.125%
HK$114,854
baseline
▲ 0.50% · 4.625%
HK$120,908
+HK$6,054/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,708/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,220 · Scale 2, in force from 26 Feb 2026)