LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,130
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,813
−HK$1,711/mo
Today · 4.125%
HK$57,524
baseline
▲ 0.50% · 4.625%
HK$61,024
+HK$3,500/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$115,048/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,219
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,834
−HK$1,638/mo
Today · 4.125%
HK$63,472
baseline
▲ 0.50% · 4.625%
HK$66,818
+HK$3,346/mo
Deposit HK$11.87M · loan HK$11.87M · min. income ≈ HK$126,944/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,008,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,956
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,976
−HK$2,053/mo
Today · 4.125%
HK$69,029
baseline
▲ 0.50% · 4.625%
HK$73,229
+HK$4,200/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$138,058/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,262
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,200
−HK$1,967/mo
Today · 4.125%
HK$76,167
baseline
▲ 0.50% · 4.625%
HK$80,181
+HK$4,014/mo
Deposit HK$9.50M · loan HK$14.24M · min. income ≈ HK$152,334/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,008,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,782
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,139
−HK$2,395/mo
Today · 4.125%
HK$80,534
baseline
▲ 0.50% · 4.625%
HK$85,434
+HK$4,900/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$161,068/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,306
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,567
−HK$2,294/mo
Today · 4.125%
HK$88,861
baseline
▲ 0.50% · 4.625%
HK$93,545
+HK$4,684/mo
Deposit HK$7.12M · loan HK$16.62M · min. income ≈ HK$177,722/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$1,008,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,433
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,464
−HK$3,079/mo
Today · 4.125%
HK$103,543
baseline
▲ 0.50% · 4.625%
HK$109,844
+HK$6,301/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$207,086/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,394
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,301
−HK$2,949/mo
Today · 4.125%
HK$114,250
baseline
▲ 0.50% · 4.625%
HK$120,272
+HK$6,022/mo
Deposit HK$2.37M · loan HK$21.36M · min. income ≈ HK$228,500/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,008,883 · Scale 2, in force from 26 Feb 2026)