LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,425
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,118
−HK$1,720/mo
Today · 4.125%
HK$57,838
baseline
▲ 0.50% · 4.625%
HK$61,357
+HK$3,519/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,676/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,547
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,171
−HK$1,647/mo
Today · 4.125%
HK$63,818
baseline
▲ 0.50% · 4.625%
HK$67,182
+HK$3,364/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,636/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,310
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,341
−HK$2,064/mo
Today · 4.125%
HK$69,405
baseline
▲ 0.50% · 4.625%
HK$73,628
+HK$4,223/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,810/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,657
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,605
−HK$1,977/mo
Today · 4.125%
HK$76,582
baseline
▲ 0.50% · 4.625%
HK$80,619
+HK$4,037/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,164/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,195
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,565
−HK$2,408/mo
Today · 4.125%
HK$80,973
baseline
▲ 0.50% · 4.625%
HK$85,900
+HK$4,927/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,946/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,766
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,039
−HK$2,307/mo
Today · 4.125%
HK$89,346
baseline
▲ 0.50% · 4.625%
HK$94,055
+HK$4,709/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,692/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,014,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,965
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,012
−HK$3,096/mo
Today · 4.125%
HK$104,108
baseline
▲ 0.50% · 4.625%
HK$110,443
+HK$6,335/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,216/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,985
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,908
−HK$2,965/mo
Today · 4.125%
HK$114,873
baseline
▲ 0.50% · 4.625%
HK$120,928
+HK$6,055/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,746/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,385 · Scale 2, in force from 26 Feb 2026)