LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,194
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,880
−HK$1,712/mo
Today · 4.125%
HK$57,592
baseline
▲ 0.50% · 4.625%
HK$61,097
+HK$3,505/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$115,184/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,010,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,290
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,907
−HK$1,640/mo
Today · 4.125%
HK$63,547
baseline
▲ 0.50% · 4.625%
HK$66,897
+HK$3,350/mo
Deposit HK$11.88M · loan HK$11.88M · min. income ≈ HK$127,094/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,010,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,033
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,055
−HK$2,056/mo
Today · 4.125%
HK$69,111
baseline
▲ 0.50% · 4.625%
HK$73,316
+HK$4,205/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,222/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,348
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,288
−HK$1,969/mo
Today · 4.125%
HK$76,257
baseline
▲ 0.50% · 4.625%
HK$80,276
+HK$4,019/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,514/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,871
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,231
−HK$2,398/mo
Today · 4.125%
HK$80,629
baseline
▲ 0.50% · 4.625%
HK$85,535
+HK$4,906/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,258/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,406
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,670
−HK$2,296/mo
Today · 4.125%
HK$88,966
baseline
▲ 0.50% · 4.625%
HK$93,656
+HK$4,690/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,932/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,549
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,583
−HK$3,083/mo
Today · 4.125%
HK$103,666
baseline
▲ 0.50% · 4.625%
HK$109,974
+HK$6,308/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,332/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,522
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,433
−HK$2,952/mo
Today · 4.125%
HK$114,385
baseline
▲ 0.50% · 4.625%
HK$120,415
+HK$6,030/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,770/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,079 · Scale 2, in force from 26 Feb 2026)