LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,420
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,112
−HK$1,720/mo
Today · 4.125%
HK$57,832
baseline
▲ 0.50% · 4.625%
HK$61,351
+HK$3,519/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,664/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,541
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,165
−HK$1,647/mo
Today · 4.125%
HK$63,812
baseline
▲ 0.50% · 4.625%
HK$67,176
+HK$3,364/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,624/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,304
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,335
−HK$2,064/mo
Today · 4.125%
HK$69,399
baseline
▲ 0.50% · 4.625%
HK$73,621
+HK$4,222/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,798/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,650
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,598
−HK$1,977/mo
Today · 4.125%
HK$76,575
baseline
▲ 0.50% · 4.625%
HK$80,611
+HK$4,036/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,150/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,188
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,557
−HK$2,408/mo
Today · 4.125%
HK$80,965
baseline
▲ 0.50% · 4.625%
HK$85,892
+HK$4,927/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,930/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,758
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,031
−HK$2,306/mo
Today · 4.125%
HK$89,337
baseline
▲ 0.50% · 4.625%
HK$94,046
+HK$4,709/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,674/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,955
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,002
−HK$3,096/mo
Today · 4.125%
HK$104,098
baseline
▲ 0.50% · 4.625%
HK$110,432
+HK$6,334/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,196/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,974
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,897
−HK$2,965/mo
Today · 4.125%
HK$114,862
baseline
▲ 0.50% · 4.625%
HK$120,917
+HK$6,055/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,724/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,288 · Scale 2, in force from 26 Feb 2026)