LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,421
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,114
−HK$1,719/mo
Today · 4.125%
HK$57,833
baseline
▲ 0.50% · 4.625%
HK$61,352
+HK$3,519/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,666/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,543
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,166
−HK$1,647/mo
Today · 4.125%
HK$63,813
baseline
▲ 0.50% · 4.625%
HK$67,177
+HK$3,364/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,626/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,305
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,336
−HK$2,064/mo
Today · 4.125%
HK$69,400
baseline
▲ 0.50% · 4.625%
HK$73,623
+HK$4,223/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,800/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,651
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,599
−HK$1,977/mo
Today · 4.125%
HK$76,576
baseline
▲ 0.50% · 4.625%
HK$80,613
+HK$4,037/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,152/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,189
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,559
−HK$2,408/mo
Today · 4.125%
HK$80,967
baseline
▲ 0.50% · 4.625%
HK$85,893
+HK$4,926/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,934/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,760
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,033
−HK$2,306/mo
Today · 4.125%
HK$89,339
baseline
▲ 0.50% · 4.625%
HK$94,048
+HK$4,709/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,678/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,957
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,004
−HK$3,096/mo
Today · 4.125%
HK$104,100
baseline
▲ 0.50% · 4.625%
HK$110,434
+HK$6,334/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,200/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,977
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,899
−HK$2,965/mo
Today · 4.125%
HK$114,864
baseline
▲ 0.50% · 4.625%
HK$120,919
+HK$6,055/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,728/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,308 · Scale 2, in force from 26 Feb 2026)