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$61,393
+HK$3,522/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$1,014,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,582
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,207
−HK$1,648/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$1,014,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,348
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,380
−HK$2,066/mo
Today · 4.125%
HK$69,446
baseline
▲ 0.50% · 4.625%
HK$73,671
+HK$4,225/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,892/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,699
−HK$3,927/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$1,014,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,239
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,610
−HK$2,410/mo
Today · 4.125%
HK$81,020
baseline
▲ 0.50% · 4.625%
HK$85,950
+HK$4,930/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$162,040/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,815
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,090
−HK$2,307/mo
Today · 4.125%
HK$89,397
baseline
▲ 0.50% · 4.625%
HK$94,110
+HK$4,713/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$1,014,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,022
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,071
−HK$3,097/mo
Today · 4.125%
HK$104,168
baseline
▲ 0.50% · 4.625%
HK$110,507
+HK$6,339/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,336/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,048
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,973
−HK$2,966/mo
Today · 4.125%
HK$114,939
baseline
▲ 0.50% · 4.625%
HK$120,998
+HK$6,059/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,878/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,973 · Scale 2, in force from 26 Feb 2026)