LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,461
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,155
−HK$1,721/mo
Today · 4.125%
HK$57,876
baseline
▲ 0.50% · 4.625%
HK$61,398
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,752/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,587
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,212
−HK$1,649/mo
Today · 4.125%
HK$63,861
baseline
▲ 0.50% · 4.625%
HK$67,227
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,722/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,353
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,386
−HK$2,065/mo
Today · 4.125%
HK$69,451
baseline
▲ 0.50% · 4.625%
HK$73,677
+HK$4,226/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,902/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,705
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,655
−HK$1,978/mo
Today · 4.125%
HK$76,633
baseline
▲ 0.50% · 4.625%
HK$80,672
+HK$4,039/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,266/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,245
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,617
−HK$2,410/mo
Today · 4.125%
HK$81,027
baseline
▲ 0.50% · 4.625%
HK$85,957
+HK$4,930/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,054/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,822
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,097
−HK$2,308/mo
Today · 4.125%
HK$89,405
baseline
▲ 0.50% · 4.625%
HK$94,117
+HK$4,712/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,810/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,030
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,079
−HK$3,098/mo
Today · 4.125%
HK$104,177
baseline
▲ 0.50% · 4.625%
HK$110,516
+HK$6,339/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,354/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,057
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,982
−HK$2,967/mo
Today · 4.125%
HK$114,949
baseline
▲ 0.50% · 4.625%
HK$121,008
+HK$6,059/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,898/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,057 · Scale 2, in force from 26 Feb 2026)