LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,448
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,142
−HK$1,721/mo
Today · 4.125%
HK$57,863
baseline
▲ 0.50% · 4.625%
HK$61,384
+HK$3,521/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,726/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,573
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,198
−HK$1,648/mo
Today · 4.125%
HK$63,846
baseline
▲ 0.50% · 4.625%
HK$67,211
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,692/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,338
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,370
−HK$2,065/mo
Today · 4.125%
HK$69,435
baseline
▲ 0.50% · 4.625%
HK$73,660
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,870/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,688
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,637
−HK$1,978/mo
Today · 4.125%
HK$76,615
baseline
▲ 0.50% · 4.625%
HK$80,653
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,230/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,228
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,599
−HK$2,409/mo
Today · 4.125%
HK$81,008
baseline
▲ 0.50% · 4.625%
HK$85,937
+HK$4,929/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$162,016/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,802
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,077
−HK$2,307/mo
Today · 4.125%
HK$89,384
baseline
▲ 0.50% · 4.625%
HK$94,096
+HK$4,712/mo
Deposit HK$7.16M · loan HK$16.71M · min. income ≈ HK$178,768/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,007
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,056
−HK$3,097/mo
Today · 4.125%
HK$104,153
baseline
▲ 0.50% · 4.625%
HK$110,490
+HK$6,337/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,306/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,032
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,956
−HK$2,966/mo
Today · 4.125%
HK$114,922
baseline
▲ 0.50% · 4.625%
HK$120,980
+HK$6,058/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,844/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,822 · Scale 2, in force from 26 Feb 2026)