LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,463
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,157
−HK$1,721/mo
Today · 4.125%
HK$57,878
baseline
▲ 0.50% · 4.625%
HK$61,400
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,756/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,589
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,214
−HK$1,648/mo
Today · 4.125%
HK$63,862
baseline
▲ 0.50% · 4.625%
HK$67,229
+HK$3,367/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$1,015,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,355
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,388
−HK$2,065/mo
Today · 4.125%
HK$69,453
baseline
▲ 0.50% · 4.625%
HK$73,679
+HK$4,226/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,906/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,707
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,657
−HK$1,978/mo
Today · 4.125%
HK$76,635
baseline
▲ 0.50% · 4.625%
HK$80,674
+HK$4,039/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,270/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,248
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,619
−HK$2,410/mo
Today · 4.125%
HK$81,029
baseline
▲ 0.50% · 4.625%
HK$85,959
+HK$4,930/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,058/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,825
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,100
−HK$2,307/mo
Today · 4.125%
HK$89,407
baseline
▲ 0.50% · 4.625%
HK$94,120
+HK$4,713/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,814/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,033
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,082
−HK$3,098/mo
Today · 4.125%
HK$104,180
baseline
▲ 0.50% · 4.625%
HK$110,519
+HK$6,339/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,360/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,060
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,985
−HK$2,967/mo
Today · 4.125%
HK$114,952
baseline
▲ 0.50% · 4.625%
HK$121,012
+HK$6,060/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,904/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,087 · Scale 2, in force from 26 Feb 2026)