LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,454
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,148
−HK$1,721/mo
Today · 4.125%
HK$57,869
baseline
▲ 0.50% · 4.625%
HK$61,390
+HK$3,521/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,738/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,014,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,580
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,205
−HK$1,648/mo
Today · 4.125%
HK$63,853
baseline
▲ 0.50% · 4.625%
HK$67,219
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,706/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,014,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,345
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,378
−HK$2,065/mo
Today · 4.125%
HK$69,443
baseline
▲ 0.50% · 4.625%
HK$73,668
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,886/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,696
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,646
−HK$1,978/mo
Today · 4.125%
HK$76,624
baseline
▲ 0.50% · 4.625%
HK$80,662
+HK$4,038/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,248/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,236
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,608
−HK$2,409/mo
Today · 4.125%
HK$81,017
baseline
▲ 0.50% · 4.625%
HK$85,947
+HK$4,930/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$162,034/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,812
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,087
−HK$2,307/mo
Today · 4.125%
HK$89,394
baseline
▲ 0.50% · 4.625%
HK$94,106
+HK$4,712/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$178,788/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,018
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,067
−HK$3,098/mo
Today · 4.125%
HK$104,165
baseline
▲ 0.50% · 4.625%
HK$110,503
+HK$6,338/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,330/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,044
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,968
−HK$2,967/mo
Today · 4.125%
HK$114,935
baseline
▲ 0.50% · 4.625%
HK$120,994
+HK$6,059/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,870/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,935 · Scale 2, in force from 26 Feb 2026)