LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,424
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,117
−HK$1,720/mo
Today · 4.125%
HK$57,837
baseline
▲ 0.50% · 4.625%
HK$61,356
+HK$3,519/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,674/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,546
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,170
−HK$1,647/mo
Today · 4.125%
HK$63,817
baseline
▲ 0.50% · 4.625%
HK$67,181
+HK$3,364/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,634/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,309
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,340
−HK$2,064/mo
Today · 4.125%
HK$69,404
baseline
▲ 0.50% · 4.625%
HK$73,627
+HK$4,223/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,808/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,655
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,604
−HK$1,976/mo
Today · 4.125%
HK$76,580
baseline
▲ 0.50% · 4.625%
HK$80,617
+HK$4,037/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,160/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,193
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,563
−HK$2,408/mo
Today · 4.125%
HK$80,971
baseline
▲ 0.50% · 4.625%
HK$85,898
+HK$4,927/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,942/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,764
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,038
−HK$2,306/mo
Today · 4.125%
HK$89,344
baseline
▲ 0.50% · 4.625%
HK$94,053
+HK$4,709/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,688/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,963
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,010
−HK$3,096/mo
Today · 4.125%
HK$104,106
baseline
▲ 0.50% · 4.625%
HK$110,440
+HK$6,334/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,212/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,983
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,905
−HK$2,966/mo
Today · 4.125%
HK$114,871
baseline
▲ 0.50% · 4.625%
HK$120,926
+HK$6,055/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,742/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,364 · Scale 2, in force from 26 Feb 2026)