LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,442
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,136
−HK$1,720/mo
Today · 4.125%
HK$57,856
baseline
▲ 0.50% · 4.625%
HK$61,377
+HK$3,521/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,712/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,566
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,191
−HK$1,648/mo
Today · 4.125%
HK$63,839
baseline
▲ 0.50% · 4.625%
HK$67,204
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,678/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,331
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,363
−HK$2,064/mo
Today · 4.125%
HK$69,427
baseline
▲ 0.50% · 4.625%
HK$73,652
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,854/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,680
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,629
−HK$1,977/mo
Today · 4.125%
HK$76,606
baseline
▲ 0.50% · 4.625%
HK$80,644
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,212/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,014,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,219
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,590
−HK$2,409/mo
Today · 4.125%
HK$80,999
baseline
▲ 0.50% · 4.625%
HK$85,927
+HK$4,928/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$161,998/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,793
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,067
−HK$2,307/mo
Today · 4.125%
HK$89,374
baseline
▲ 0.50% · 4.625%
HK$94,085
+HK$4,711/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,748/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,996
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,044
−HK$3,097/mo
Today · 4.125%
HK$104,141
baseline
▲ 0.50% · 4.625%
HK$110,478
+HK$6,337/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,282/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,020
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,943
−HK$2,967/mo
Today · 4.125%
HK$114,910
baseline
▲ 0.50% · 4.625%
HK$120,967
+HK$6,057/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,820/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,709 · Scale 2, in force from 26 Feb 2026)