LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,438
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,131
−HK$1,721/mo
Today · 4.125%
HK$57,852
baseline
▲ 0.50% · 4.625%
HK$61,372
+HK$3,520/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,704/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,562
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,186
−HK$1,647/mo
Today · 4.125%
HK$63,833
baseline
▲ 0.50% · 4.625%
HK$67,198
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,666/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,325
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,357
−HK$2,065/mo
Today · 4.125%
HK$69,422
baseline
▲ 0.50% · 4.625%
HK$73,646
+HK$4,224/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,844/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,674
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,623
−HK$1,977/mo
Today · 4.125%
HK$76,600
baseline
▲ 0.50% · 4.625%
HK$80,638
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,200/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,213
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,584
−HK$2,408/mo
Today · 4.125%
HK$80,992
baseline
▲ 0.50% · 4.625%
HK$85,920
+HK$4,928/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,984/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,786
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,060
−HK$2,307/mo
Today · 4.125%
HK$89,367
baseline
▲ 0.50% · 4.625%
HK$94,077
+HK$4,710/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,734/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,988
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,036
−HK$3,097/mo
Today · 4.125%
HK$104,133
baseline
▲ 0.50% · 4.625%
HK$110,469
+HK$6,336/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,266/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,011
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,934
−HK$2,966/mo
Today · 4.125%
HK$114,900
baseline
▲ 0.50% · 4.625%
HK$120,957
+HK$6,057/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,800/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,626 · Scale 2, in force from 26 Feb 2026)