LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,438
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,132
−HK$1,720/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$1,014,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,562
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,186
−HK$1,648/mo
Today · 4.125%
HK$63,834
baseline
▲ 0.50% · 4.625%
HK$67,199
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,668/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,326
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,358
−HK$2,064/mo
Today · 4.125%
HK$69,422
baseline
▲ 0.50% · 4.625%
HK$73,647
+HK$4,225/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$1,014,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,674
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,624
−HK$1,977/mo
Today · 4.125%
HK$76,601
baseline
▲ 0.50% · 4.625%
HK$80,639
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,202/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,214
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,584
−HK$2,409/mo
Today · 4.125%
HK$80,993
baseline
▲ 0.50% · 4.625%
HK$85,921
+HK$4,928/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,986/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,787
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,061
−HK$2,307/mo
Today · 4.125%
HK$89,368
baseline
▲ 0.50% · 4.625%
HK$94,078
+HK$4,710/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,736/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,989
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,037
−HK$3,097/mo
Today · 4.125%
HK$104,134
baseline
▲ 0.50% · 4.625%
HK$110,470
+HK$6,336/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,268/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,012
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,935
−HK$2,966/mo
Today · 4.125%
HK$114,901
baseline
▲ 0.50% · 4.625%
HK$120,958
+HK$6,057/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,802/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,635 · Scale 2, in force from 26 Feb 2026)