LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,462
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,156
−HK$1,721/mo
Today · 4.125%
HK$57,877
baseline
▲ 0.50% · 4.625%
HK$61,399
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,754/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,588
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,213
−HK$1,649/mo
Today · 4.125%
HK$63,862
baseline
▲ 0.50% · 4.625%
HK$67,228
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,724/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,354
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,387
−HK$2,065/mo
Today · 4.125%
HK$69,452
baseline
▲ 0.50% · 4.625%
HK$73,678
+HK$4,226/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,904/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,706
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,656
−HK$1,978/mo
Today · 4.125%
HK$76,634
baseline
▲ 0.50% · 4.625%
HK$80,673
+HK$4,039/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,268/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,247
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,618
−HK$2,410/mo
Today · 4.125%
HK$81,028
baseline
▲ 0.50% · 4.625%
HK$85,958
+HK$4,930/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,056/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,823
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,098
−HK$2,308/mo
Today · 4.125%
HK$89,406
baseline
▲ 0.50% · 4.625%
HK$94,119
+HK$4,713/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,812/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,031
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,081
−HK$3,098/mo
Today · 4.125%
HK$104,179
baseline
▲ 0.50% · 4.625%
HK$110,518
+HK$6,339/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,358/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,059
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,984
−HK$2,967/mo
Today · 4.125%
HK$114,951
baseline
▲ 0.50% · 4.625%
HK$121,010
+HK$6,059/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,902/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,073 · Scale 2, in force from 26 Feb 2026)