LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,439
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,132
−HK$1,721/mo
Today · 4.125%
HK$57,853
baseline
▲ 0.50% · 4.625%
HK$61,373
+HK$3,520/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,706/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,563
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,187
−HK$1,648/mo
Today · 4.125%
HK$63,835
baseline
▲ 0.50% · 4.625%
HK$67,200
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,670/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,327
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,359
−HK$2,064/mo
Today · 4.125%
HK$69,423
baseline
▲ 0.50% · 4.625%
HK$73,647
+HK$4,224/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$138,846/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,675
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,624
−HK$1,978/mo
Today · 4.125%
HK$76,602
baseline
▲ 0.50% · 4.625%
HK$80,639
+HK$4,037/mo
Deposit HK$9.55M · loan HK$14.32M · min. income ≈ HK$153,204/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,214
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,585
−HK$2,409/mo
Today · 4.125%
HK$80,994
baseline
▲ 0.50% · 4.625%
HK$85,922
+HK$4,928/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,988/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,788
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,062
−HK$2,307/mo
Today · 4.125%
HK$89,369
baseline
▲ 0.50% · 4.625%
HK$94,079
+HK$4,710/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,738/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,990
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,038
−HK$3,097/mo
Today · 4.125%
HK$104,135
baseline
▲ 0.50% · 4.625%
HK$110,471
+HK$6,336/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,270/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,013
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,937
−HK$2,965/mo
Today · 4.125%
HK$114,902
baseline
▲ 0.50% · 4.625%
HK$120,959
+HK$6,057/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,804/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,646 · Scale 2, in force from 26 Feb 2026)