LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,473
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,167
−HK$1,721/mo
Today · 4.125%
HK$57,888
baseline
▲ 0.50% · 4.625%
HK$61,411
+HK$3,523/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,776/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,600
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,225
−HK$1,649/mo
Today · 4.125%
HK$63,874
baseline
▲ 0.50% · 4.625%
HK$67,241
+HK$3,367/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,748/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,367
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,400
−HK$2,066/mo
Today · 4.125%
HK$69,466
baseline
▲ 0.50% · 4.625%
HK$73,693
+HK$4,227/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$138,932/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,720
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,671
−HK$1,978/mo
Today · 4.125%
HK$76,649
baseline
▲ 0.50% · 4.625%
HK$80,689
+HK$4,040/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$153,298/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,262
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,634
−HK$2,410/mo
Today · 4.125%
HK$81,044
baseline
▲ 0.50% · 4.625%
HK$85,975
+HK$4,931/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,088/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,840
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,116
−HK$2,308/mo
Today · 4.125%
HK$89,424
baseline
▲ 0.50% · 4.625%
HK$94,138
+HK$4,714/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,848/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,051
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,101
−HK$3,098/mo
Today · 4.125%
HK$104,199
baseline
▲ 0.50% · 4.625%
HK$110,540
+HK$6,341/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,398/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,080
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,006
−HK$2,968/mo
Today · 4.125%
HK$114,974
baseline
▲ 0.50% · 4.625%
HK$121,034
+HK$6,060/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,948/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,274 · Scale 2, in force from 26 Feb 2026)