LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,471
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,166
−HK$1,721/mo
Today · 4.125%
HK$57,887
baseline
▲ 0.50% · 4.625%
HK$61,409
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,774/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,599
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,224
−HK$1,649/mo
Today · 4.125%
HK$63,873
baseline
▲ 0.50% · 4.625%
HK$67,239
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,746/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,365
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,399
−HK$2,065/mo
Today · 4.125%
HK$69,464
baseline
▲ 0.50% · 4.625%
HK$73,691
+HK$4,227/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$138,928/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,718
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,669
−HK$1,978/mo
Today · 4.125%
HK$76,647
baseline
▲ 0.50% · 4.625%
HK$80,687
+HK$4,040/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$153,294/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,260
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,632
−HK$2,410/mo
Today · 4.125%
HK$81,042
baseline
▲ 0.50% · 4.625%
HK$85,973
+HK$4,931/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,084/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,838
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,113
−HK$2,309/mo
Today · 4.125%
HK$89,422
baseline
▲ 0.50% · 4.625%
HK$94,135
+HK$4,713/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,844/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,048
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,098
−HK$3,099/mo
Today · 4.125%
HK$104,197
baseline
▲ 0.50% · 4.625%
HK$110,537
+HK$6,340/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,394/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,078
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,003
−HK$2,968/mo
Today · 4.125%
HK$114,971
baseline
▲ 0.50% · 4.625%
HK$121,031
+HK$6,060/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,942/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,249 · Scale 2, in force from 26 Feb 2026)