LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,433
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,126
−HK$1,720/mo
Today · 4.125%
HK$57,846
baseline
▲ 0.50% · 4.625%
HK$61,366
+HK$3,520/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,692/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,556
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,180
−HK$1,648/mo
Today · 4.125%
HK$63,828
baseline
▲ 0.50% · 4.625%
HK$67,192
+HK$3,364/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,656/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,319
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,351
−HK$2,065/mo
Today · 4.125%
HK$69,416
baseline
▲ 0.50% · 4.625%
HK$73,639
+HK$4,223/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,832/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,667
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,616
−HK$1,977/mo
Today · 4.125%
HK$76,593
baseline
▲ 0.50% · 4.625%
HK$80,631
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,186/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,206
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,576
−HK$2,409/mo
Today · 4.125%
HK$80,985
baseline
▲ 0.50% · 4.625%
HK$85,913
+HK$4,928/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,970/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,778
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,052
−HK$2,307/mo
Today · 4.125%
HK$89,359
baseline
▲ 0.50% · 4.625%
HK$94,069
+HK$4,710/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,718/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,979
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,027
−HK$3,096/mo
Today · 4.125%
HK$104,123
baseline
▲ 0.50% · 4.625%
HK$110,459
+HK$6,336/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$208,246/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,001
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,924
−HK$2,966/mo
Today · 4.125%
HK$114,890
baseline
▲ 0.50% · 4.625%
HK$120,946
+HK$6,056/mo
Deposit HK$2.39M · loan HK$21.48M · min. income ≈ HK$229,780/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,534 · Scale 2, in force from 26 Feb 2026)