LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,185
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,870
−HK$1,712/mo
Today · 4.125%
HK$57,582
baseline
▲ 0.50% · 4.625%
HK$61,086
+HK$3,504/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,164/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,280
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,897
−HK$1,640/mo
Today · 4.125%
HK$63,537
baseline
▲ 0.50% · 4.625%
HK$66,886
+HK$3,349/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,074/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,009,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,022
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,044
−HK$2,055/mo
Today · 4.125%
HK$69,099
baseline
▲ 0.50% · 4.625%
HK$73,303
+HK$4,204/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,198/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,336
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,276
−HK$1,968/mo
Today · 4.125%
HK$76,244
baseline
▲ 0.50% · 4.625%
HK$80,263
+HK$4,019/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,488/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,009,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,858
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,218
−HK$2,397/mo
Today · 4.125%
HK$80,615
baseline
▲ 0.50% · 4.625%
HK$85,521
+HK$4,906/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$161,230/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,392
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,655
−HK$2,296/mo
Today · 4.125%
HK$88,951
baseline
▲ 0.50% · 4.625%
HK$93,640
+HK$4,689/mo
Deposit HK$7.13M · loan HK$16.63M · min. income ≈ HK$177,902/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,009,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,532
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,566
−HK$3,082/mo
Today · 4.125%
HK$103,648
baseline
▲ 0.50% · 4.625%
HK$109,955
+HK$6,307/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,296/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,504
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,414
−HK$2,952/mo
Today · 4.125%
HK$114,366
baseline
▲ 0.50% · 4.625%
HK$120,394
+HK$6,028/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,732/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,009,907 · Scale 2, in force from 26 Feb 2026)