LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,446
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,140
−HK$1,721/mo
Today · 4.125%
HK$57,861
baseline
▲ 0.50% · 4.625%
HK$61,381
+HK$3,520/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,722/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,571
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,196
−HK$1,648/mo
Today · 4.125%
HK$63,844
baseline
▲ 0.50% · 4.625%
HK$67,209
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,688/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,336
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,368
−HK$2,065/mo
Today · 4.125%
HK$69,433
baseline
▲ 0.50% · 4.625%
HK$73,658
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,866/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,685
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,635
−HK$1,977/mo
Today · 4.125%
HK$76,612
baseline
▲ 0.50% · 4.625%
HK$80,651
+HK$4,039/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,224/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,225
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,596
−HK$2,409/mo
Today · 4.125%
HK$81,005
baseline
▲ 0.50% · 4.625%
HK$85,934
+HK$4,929/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$162,010/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,800
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,074
−HK$2,307/mo
Today · 4.125%
HK$89,381
baseline
▲ 0.50% · 4.625%
HK$94,092
+HK$4,711/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,762/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,004
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,052
−HK$3,097/mo
Today · 4.125%
HK$104,149
baseline
▲ 0.50% · 4.625%
HK$110,487
+HK$6,338/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,298/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,028
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,952
−HK$2,967/mo
Today · 4.125%
HK$114,919
baseline
▲ 0.50% · 4.625%
HK$120,976
+HK$6,057/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,838/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,787 · Scale 2, in force from 26 Feb 2026)