LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,452
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,146
−HK$1,721/mo
Today · 4.125%
HK$57,867
baseline
▲ 0.50% · 4.625%
HK$61,388
+HK$3,521/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,734/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,577
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,202
−HK$1,648/mo
Today · 4.125%
HK$63,850
baseline
▲ 0.50% · 4.625%
HK$67,216
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,700/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,014,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,342
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,375
−HK$2,065/mo
Today · 4.125%
HK$69,440
baseline
▲ 0.50% · 4.625%
HK$73,665
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,880/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,693
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,642
−HK$1,978/mo
Today · 4.125%
HK$76,620
baseline
▲ 0.50% · 4.625%
HK$80,659
+HK$4,039/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,240/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,233
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,604
−HK$2,409/mo
Today · 4.125%
HK$81,013
baseline
▲ 0.50% · 4.625%
HK$85,943
+HK$4,930/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$162,026/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,808
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,083
−HK$2,307/mo
Today · 4.125%
HK$89,390
baseline
▲ 0.50% · 4.625%
HK$94,102
+HK$4,712/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$178,780/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,013
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,062
−HK$3,098/mo
Today · 4.125%
HK$104,160
baseline
▲ 0.50% · 4.625%
HK$110,498
+HK$6,338/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,320/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,039
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,963
−HK$2,967/mo
Today · 4.125%
HK$114,930
baseline
▲ 0.50% · 4.625%
HK$120,988
+HK$6,058/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,860/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,889 · Scale 2, in force from 26 Feb 2026)