LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,180
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,865
−HK$1,713/mo
Today · 4.125%
HK$57,578
baseline
▲ 0.50% · 4.625%
HK$61,081
+HK$3,503/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,156/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,275
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,891
−HK$1,640/mo
Today · 4.125%
HK$63,531
baseline
▲ 0.50% · 4.625%
HK$66,880
+HK$3,349/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,062/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,016
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,039
−HK$2,054/mo
Today · 4.125%
HK$69,093
baseline
▲ 0.50% · 4.625%
HK$73,297
+HK$4,204/mo
Deposit HK$9.50M · loan HK$14.26M · min. income ≈ HK$138,186/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,330
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,270
−HK$1,968/mo
Today · 4.125%
HK$76,238
baseline
▲ 0.50% · 4.625%
HK$80,256
+HK$4,018/mo
Deposit HK$9.50M · loan HK$14.26M · min. income ≈ HK$152,476/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,852
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,212
−HK$2,397/mo
Today · 4.125%
HK$80,609
baseline
▲ 0.50% · 4.625%
HK$85,514
+HK$4,905/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,218/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,385
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,648
−HK$2,296/mo
Today · 4.125%
HK$88,944
baseline
▲ 0.50% · 4.625%
HK$93,632
+HK$4,688/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,888/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,524
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,558
−HK$3,082/mo
Today · 4.125%
HK$103,640
baseline
▲ 0.50% · 4.625%
HK$109,946
+HK$6,306/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$207,280/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,495
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,404
−HK$2,952/mo
Today · 4.125%
HK$114,356
baseline
▲ 0.50% · 4.625%
HK$120,384
+HK$6,028/mo
Deposit HK$2.38M · loan HK$21.38M · min. income ≈ HK$228,712/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,823 · Scale 2, in force from 26 Feb 2026)