LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,455
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,149
−HK$1,721/mo
Today · 4.125%
HK$57,870
baseline
▲ 0.50% · 4.625%
HK$61,391
+HK$3,521/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,740/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,014,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,581
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,205
−HK$1,649/mo
Today · 4.125%
HK$63,854
baseline
▲ 0.50% · 4.625%
HK$67,219
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,708/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,014,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,346
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,379
−HK$2,065/mo
Today · 4.125%
HK$69,444
baseline
▲ 0.50% · 4.625%
HK$73,669
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,888/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,697
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,646
−HK$1,978/mo
Today · 4.125%
HK$76,624
baseline
▲ 0.50% · 4.625%
HK$80,663
+HK$4,039/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$1,014,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,237
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,608
−HK$2,410/mo
Today · 4.125%
HK$81,018
baseline
▲ 0.50% · 4.625%
HK$85,947
+HK$4,929/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$162,036/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,813
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,087
−HK$2,308/mo
Today · 4.125%
HK$89,395
baseline
▲ 0.50% · 4.625%
HK$94,107
+HK$4,712/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$178,790/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,019
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,068
−HK$3,098/mo
Today · 4.125%
HK$104,166
baseline
▲ 0.50% · 4.625%
HK$110,504
+HK$6,338/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,332/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,045
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,970
−HK$2,966/mo
Today · 4.125%
HK$114,936
baseline
▲ 0.50% · 4.625%
HK$120,995
+HK$6,059/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,872/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,945 · Scale 2, in force from 26 Feb 2026)