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$61,358
+HK$3,520/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$1,014,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,548
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,171
−HK$1,648/mo
Today · 4.125%
HK$63,819
baseline
▲ 0.50% · 4.625%
HK$67,183
+HK$3,364/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,638/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,310
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,342
−HK$2,064/mo
Today · 4.125%
HK$69,406
baseline
▲ 0.50% · 4.625%
HK$73,629
+HK$4,223/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,812/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,657
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,606
−HK$1,976/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$1,014,392 · 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$85,901
+HK$4,928/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$1,014,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,767
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,040
−HK$2,306/mo
Today · 4.125%
HK$89,346
baseline
▲ 0.50% · 4.625%
HK$94,056
+HK$4,710/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$1,014,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,965
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,013
−HK$3,096/mo
Today · 4.125%
HK$104,109
baseline
▲ 0.50% · 4.625%
HK$110,444
+HK$6,335/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,218/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,986
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,909
−HK$2,965/mo
Today · 4.125%
HK$114,874
baseline
▲ 0.50% · 4.625%
HK$120,929
+HK$6,055/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,748/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,392 · Scale 2, in force from 26 Feb 2026)