LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,416
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,109
−HK$1,720/mo
Today · 4.125%
HK$57,829
baseline
▲ 0.50% · 4.625%
HK$61,348
+HK$3,519/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,658/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,538
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,161
−HK$1,647/mo
Today · 4.125%
HK$63,808
baseline
▲ 0.50% · 4.625%
HK$67,172
+HK$3,364/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$1,014,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,300
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,331
−HK$2,064/mo
Today · 4.125%
HK$69,395
baseline
▲ 0.50% · 4.625%
HK$73,617
+HK$4,222/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,790/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,645
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,594
−HK$1,976/mo
Today · 4.125%
HK$76,570
baseline
▲ 0.50% · 4.625%
HK$80,606
+HK$4,036/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,140/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,183
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,553
−HK$2,407/mo
Today · 4.125%
HK$80,960
baseline
▲ 0.50% · 4.625%
HK$85,887
+HK$4,927/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$1,014,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,753
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,026
−HK$2,306/mo
Today · 4.125%
HK$89,332
baseline
▲ 0.50% · 4.625%
HK$94,041
+HK$4,709/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,664/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,950
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$100,996
−HK$3,096/mo
Today · 4.125%
HK$104,092
baseline
▲ 0.50% · 4.625%
HK$110,426
+HK$6,334/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,184/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,968
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,890
−HK$2,965/mo
Today · 4.125%
HK$114,855
baseline
▲ 0.50% · 4.625%
HK$120,909
+HK$6,054/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,710/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,228 · Scale 2, in force from 26 Feb 2026)