LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,030
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,711
−HK$1,707/mo
Today · 4.125%
HK$57,418
baseline
▲ 0.50% · 4.625%
HK$60,912
+HK$3,494/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,836/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,007,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,108
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,720
−HK$1,635/mo
Today · 4.125%
HK$63,355
baseline
▲ 0.50% · 4.625%
HK$66,695
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,710/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,007,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,836
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,853
−HK$2,049/mo
Today · 4.125%
HK$68,902
baseline
▲ 0.50% · 4.625%
HK$73,095
+HK$4,193/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,804/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,007,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,130
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,064
−HK$1,963/mo
Today · 4.125%
HK$76,027
baseline
▲ 0.50% · 4.625%
HK$80,034
+HK$4,007/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,054/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,007,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,642
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$77,995
−HK$2,391/mo
Today · 4.125%
HK$80,386
baseline
▲ 0.50% · 4.625%
HK$85,277
+HK$4,891/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,772/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,151
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,408
−HK$2,290/mo
Today · 4.125%
HK$88,698
baseline
▲ 0.50% · 4.625%
HK$93,373
+HK$4,675/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,396/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,254
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,279
−HK$3,074/mo
Today · 4.125%
HK$103,353
baseline
▲ 0.50% · 4.625%
HK$109,642
+HK$6,289/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,706/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,194
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,096
−HK$2,944/mo
Today · 4.125%
HK$114,040
baseline
▲ 0.50% · 4.625%
HK$120,051
+HK$6,011/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,080/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,028 · Scale 2, in force from 26 Feb 2026)