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$61,394
+HK$3,522/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$1,014,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,583
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,208
−HK$1,649/mo
Today · 4.125%
HK$63,857
baseline
▲ 0.50% · 4.625%
HK$67,222
+HK$3,365/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,714/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,014,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,349
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,382
−HK$2,065/mo
Today · 4.125%
HK$69,447
baseline
▲ 0.50% · 4.625%
HK$73,673
+HK$4,226/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,894/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,700
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,650
−HK$1,978/mo
Today · 4.125%
HK$76,628
baseline
▲ 0.50% · 4.625%
HK$80,667
+HK$4,039/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,256/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,014,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,240
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,612
−HK$2,409/mo
Today · 4.125%
HK$81,021
baseline
▲ 0.50% · 4.625%
HK$85,951
+HK$4,930/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$162,042/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,817
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,091
−HK$2,308/mo
Today · 4.125%
HK$89,399
baseline
▲ 0.50% · 4.625%
HK$94,111
+HK$4,712/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$178,798/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,014,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,023
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,073
−HK$3,097/mo
Today · 4.125%
HK$104,170
baseline
▲ 0.50% · 4.625%
HK$110,509
+HK$6,339/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,340/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,050
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,975
−HK$2,967/mo
Today · 4.125%
HK$114,942
baseline
▲ 0.50% · 4.625%
HK$121,000
+HK$6,058/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,884/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,014,993 · Scale 2, in force from 26 Feb 2026)