LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,032
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,713
−HK$1,708/mo
Today · 4.125%
HK$57,421
baseline
▲ 0.50% · 4.625%
HK$60,915
+HK$3,494/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,842/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,007,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,110
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,723
−HK$1,635/mo
Today · 4.125%
HK$63,358
baseline
▲ 0.50% · 4.625%
HK$66,698
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,716/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,007,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,839
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,856
−HK$2,049/mo
Today · 4.125%
HK$68,905
baseline
▲ 0.50% · 4.625%
HK$73,098
+HK$4,193/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,810/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,133
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,067
−HK$1,963/mo
Today · 4.125%
HK$76,030
baseline
▲ 0.50% · 4.625%
HK$80,037
+HK$4,007/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,060/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,645
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$77,998
−HK$2,391/mo
Today · 4.125%
HK$80,389
baseline
▲ 0.50% · 4.625%
HK$85,280
+HK$4,891/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,778/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,155
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,412
−HK$2,289/mo
Today · 4.125%
HK$88,701
baseline
▲ 0.50% · 4.625%
HK$93,377
+HK$4,676/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,402/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,258
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,284
−HK$3,073/mo
Today · 4.125%
HK$103,357
baseline
▲ 0.50% · 4.625%
HK$109,646
+HK$6,289/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,714/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,199
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,101
−HK$2,944/mo
Today · 4.125%
HK$114,045
baseline
▲ 0.50% · 4.625%
HK$120,056
+HK$6,011/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,090/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,070 · Scale 2, in force from 26 Feb 2026)