LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,054
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,735
−HK$1,708/mo
Today · 4.125%
HK$57,443
baseline
▲ 0.50% · 4.625%
HK$60,939
+HK$3,496/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,886/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,134
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,747
−HK$1,636/mo
Today · 4.125%
HK$63,383
baseline
▲ 0.50% · 4.625%
HK$66,724
+HK$3,341/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,766/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,007,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,865
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,882
−HK$2,050/mo
Today · 4.125%
HK$68,932
baseline
▲ 0.50% · 4.625%
HK$73,126
+HK$4,194/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,864/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,161
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,096
−HK$1,964/mo
Today · 4.125%
HK$76,060
baseline
▲ 0.50% · 4.625%
HK$80,069
+HK$4,009/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,120/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,007,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,675
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,029
−HK$2,392/mo
Today · 4.125%
HK$80,421
baseline
▲ 0.50% · 4.625%
HK$85,314
+HK$4,893/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,842/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,188
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,446
−HK$2,290/mo
Today · 4.125%
HK$88,736
baseline
▲ 0.50% · 4.625%
HK$93,414
+HK$4,678/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,472/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,007,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,297
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,323
−HK$3,075/mo
Today · 4.125%
HK$103,398
baseline
▲ 0.50% · 4.625%
HK$109,690
+HK$6,292/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$206,796/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,242
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,145
−HK$2,945/mo
Today · 4.125%
HK$114,090
baseline
▲ 0.50% · 4.625%
HK$120,103
+HK$6,013/mo
Deposit HK$2.37M · loan HK$21.33M · min. income ≈ HK$228,180/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,007,468 · Scale 2, in force from 26 Feb 2026)