LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,045
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,726
−HK$1,708/mo
Today · 4.125%
HK$57,434
baseline
▲ 0.50% · 4.625%
HK$60,929
+HK$3,495/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,868/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,125
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,737
−HK$1,636/mo
Today · 4.125%
HK$63,373
baseline
▲ 0.50% · 4.625%
HK$66,714
+HK$3,341/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,746/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,854
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,872
−HK$2,049/mo
Today · 4.125%
HK$68,921
baseline
▲ 0.50% · 4.625%
HK$73,115
+HK$4,194/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,842/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,150
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,085
−HK$1,963/mo
Today · 4.125%
HK$76,048
baseline
▲ 0.50% · 4.625%
HK$80,056
+HK$4,008/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,096/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,663
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,017
−HK$2,391/mo
Today · 4.125%
HK$80,408
baseline
▲ 0.50% · 4.625%
HK$85,301
+HK$4,893/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,816/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,175
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,432
−HK$2,290/mo
Today · 4.125%
HK$88,722
baseline
▲ 0.50% · 4.625%
HK$93,399
+HK$4,677/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,444/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,281
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,307
−HK$3,075/mo
Today · 4.125%
HK$103,382
baseline
▲ 0.50% · 4.625%
HK$109,672
+HK$6,290/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,764/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,225
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,127
−HK$2,945/mo
Today · 4.125%
HK$114,072
baseline
▲ 0.50% · 4.625%
HK$120,084
+HK$6,012/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,144/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,309 · Scale 2, in force from 26 Feb 2026)