LTV · monthly repayment
▼ 0.50% · 3.625%
HK$51,506
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$53,108
−HK$1,628/mo
Today · 4.125%
HK$54,736
baseline
▲ 0.50% · 4.625%
HK$58,066
+HK$3,330/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$109,472/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,300
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$58,836
−HK$1,559/mo
Today · 4.125%
HK$60,395
baseline
▲ 0.50% · 4.625%
HK$63,579
+HK$3,184/mo
Deposit HK$11.29M · loan HK$11.29M · min. income ≈ HK$120,790/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$959,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,807
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,730
−HK$1,953/mo
Today · 4.125%
HK$65,683
baseline
▲ 0.50% · 4.625%
HK$69,679
+HK$3,996/mo
Deposit HK$9.04M · loan HK$13.55M · min. income ≈ HK$131,366/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$959,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,760
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,604
−HK$1,871/mo
Today · 4.125%
HK$72,475
baseline
▲ 0.50% · 4.625%
HK$76,295
+HK$3,820/mo
Deposit HK$9.04M · loan HK$13.55M · min. income ≈ HK$144,950/mo (50% DSR)
Upfront cash ≈ HK$10.00M (deposit + AVD stamp duty HK$959,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,108
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,351
−HK$2,279/mo
Today · 4.125%
HK$76,630
baseline
▲ 0.50% · 4.625%
HK$81,293
+HK$4,663/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$153,260/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$959,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,220
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,371
−HK$2,183/mo
Today · 4.125%
HK$84,554
baseline
▲ 0.50% · 4.625%
HK$89,011
+HK$4,457/mo
Deposit HK$6.78M · loan HK$15.81M · min. income ≈ HK$169,108/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$959,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,711
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,594
−HK$2,930/mo
Today · 4.125%
HK$98,524
baseline
▲ 0.50% · 4.625%
HK$104,519
+HK$5,995/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$197,048/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,140
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,906
−HK$2,806/mo
Today · 4.125%
HK$108,712
baseline
▲ 0.50% · 4.625%
HK$114,442
+HK$5,730/mo
Deposit HK$2.26M · loan HK$20.33M · min. income ≈ HK$217,424/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$959,979 · Scale 2, in force from 26 Feb 2026)