LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,042
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,723
−HK$1,708/mo
Today · 4.125%
HK$57,431
baseline
▲ 0.50% · 4.625%
HK$60,926
+HK$3,495/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,862/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,122
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,734
−HK$1,636/mo
Today · 4.125%
HK$63,370
baseline
▲ 0.50% · 4.625%
HK$66,710
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,740/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,851
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,868
−HK$2,050/mo
Today · 4.125%
HK$68,918
baseline
▲ 0.50% · 4.625%
HK$73,111
+HK$4,193/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,836/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,146
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,081
−HK$1,963/mo
Today · 4.125%
HK$76,044
baseline
▲ 0.50% · 4.625%
HK$80,052
+HK$4,008/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,088/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,659
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,013
−HK$2,391/mo
Today · 4.125%
HK$80,404
baseline
▲ 0.50% · 4.625%
HK$85,296
+HK$4,892/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,808/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,170
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,428
−HK$2,290/mo
Today · 4.125%
HK$88,718
baseline
▲ 0.50% · 4.625%
HK$93,394
+HK$4,676/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,436/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,276
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$100,302
−HK$3,074/mo
Today · 4.125%
HK$103,376
baseline
▲ 0.50% · 4.625%
HK$109,667
+HK$6,291/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,752/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,219
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,121
−HK$2,945/mo
Today · 4.125%
HK$114,066
baseline
▲ 0.50% · 4.625%
HK$120,078
+HK$6,012/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,132/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,257 · Scale 2, in force from 26 Feb 2026)