LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,436
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,129
−HK$1,720/mo
Today · 4.125%
HK$57,849
baseline
▲ 0.50% · 4.625%
HK$61,369
+HK$3,520/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,698/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,559
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,183
−HK$1,648/mo
Today · 4.125%
HK$63,831
baseline
▲ 0.50% · 4.625%
HK$67,196
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,662/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,323
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,355
−HK$2,064/mo
Today · 4.125%
HK$69,419
baseline
▲ 0.50% · 4.625%
HK$73,643
+HK$4,224/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,838/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,671
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,620
−HK$1,977/mo
Today · 4.125%
HK$76,597
baseline
▲ 0.50% · 4.625%
HK$80,635
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,194/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,210
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,581
−HK$2,408/mo
Today · 4.125%
HK$80,989
baseline
▲ 0.50% · 4.625%
HK$85,917
+HK$4,928/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,978/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,783
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,057
−HK$2,307/mo
Today · 4.125%
HK$89,364
baseline
▲ 0.50% · 4.625%
HK$94,074
+HK$4,710/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,728/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,984
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,032
−HK$3,097/mo
Today · 4.125%
HK$104,129
baseline
▲ 0.50% · 4.625%
HK$110,465
+HK$6,336/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,258/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,007
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,930
−HK$2,966/mo
Today · 4.125%
HK$114,896
baseline
▲ 0.50% · 4.625%
HK$120,952
+HK$6,056/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,792/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,589 · Scale 2, in force from 26 Feb 2026)