LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,457
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,151
−HK$1,721/mo
Today · 4.125%
HK$57,872
baseline
▲ 0.50% · 4.625%
HK$61,393
+HK$3,521/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,744/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,014,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,582
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,207
−HK$1,649/mo
Today · 4.125%
HK$63,856
baseline
▲ 0.50% · 4.625%
HK$67,221
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,712/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,014,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,348
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,381
−HK$2,065/mo
Today · 4.125%
HK$69,446
baseline
▲ 0.50% · 4.625%
HK$73,672
+HK$4,226/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$1,014,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,699
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,649
−HK$1,978/mo
Today · 4.125%
HK$76,627
baseline
▲ 0.50% · 4.625%
HK$80,666
+HK$4,039/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,254/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,239
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,611
−HK$2,409/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$1,014,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,815
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,090
−HK$2,308/mo
Today · 4.125%
HK$89,398
baseline
▲ 0.50% · 4.625%
HK$94,110
+HK$4,712/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$178,796/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,022
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,071
−HK$3,098/mo
Today · 4.125%
HK$104,169
baseline
▲ 0.50% · 4.625%
HK$110,507
+HK$6,338/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,338/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,048
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,973
−HK$2,967/mo
Today · 4.125%
HK$114,940
baseline
▲ 0.50% · 4.625%
HK$120,999
+HK$6,059/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,880/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,978 · Scale 2, in force from 26 Feb 2026)