LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,456
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,150
−HK$1,721/mo
Today · 4.125%
HK$57,871
baseline
▲ 0.50% · 4.625%
HK$61,392
+HK$3,521/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,742/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,014,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,582
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,206
−HK$1,649/mo
Today · 4.125%
HK$63,855
baseline
▲ 0.50% · 4.625%
HK$67,221
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,710/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,014,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,347
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,380
−HK$2,065/mo
Today · 4.125%
HK$69,445
baseline
▲ 0.50% · 4.625%
HK$73,670
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,890/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,698
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,648
−HK$1,978/mo
Today · 4.125%
HK$76,626
baseline
▲ 0.50% · 4.625%
HK$80,665
+HK$4,039/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,252/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,238
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,610
−HK$2,409/mo
Today · 4.125%
HK$81,019
baseline
▲ 0.50% · 4.625%
HK$85,949
+HK$4,930/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$162,038/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,814
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,089
−HK$2,308/mo
Today · 4.125%
HK$89,397
baseline
▲ 0.50% · 4.625%
HK$94,109
+HK$4,712/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$178,794/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,021
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,070
−HK$3,097/mo
Today · 4.125%
HK$104,167
baseline
▲ 0.50% · 4.625%
HK$110,506
+HK$6,339/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,334/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,047
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,972
−HK$2,966/mo
Today · 4.125%
HK$114,938
baseline
▲ 0.50% · 4.625%
HK$120,997
+HK$6,059/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,876/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,963 · Scale 2, in force from 26 Feb 2026)