LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,204
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,890
−HK$1,713/mo
Today · 4.125%
HK$57,603
baseline
▲ 0.50% · 4.625%
HK$61,108
+HK$3,505/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,206/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,301
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,918
−HK$1,641/mo
Today · 4.125%
HK$63,559
baseline
▲ 0.50% · 4.625%
HK$66,909
+HK$3,350/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,118/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,044
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,068
−HK$2,055/mo
Today · 4.125%
HK$69,123
baseline
▲ 0.50% · 4.625%
HK$73,329
+HK$4,206/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,246/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,361
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,302
−HK$1,969/mo
Today · 4.125%
HK$76,271
baseline
▲ 0.50% · 4.625%
HK$80,291
+HK$4,020/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,542/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,885
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,246
−HK$2,398/mo
Today · 4.125%
HK$80,644
baseline
▲ 0.50% · 4.625%
HK$85,551
+HK$4,907/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,288/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,421
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,686
−HK$2,296/mo
Today · 4.125%
HK$88,982
baseline
▲ 0.50% · 4.625%
HK$93,673
+HK$4,691/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,964/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,567
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,601
−HK$3,084/mo
Today · 4.125%
HK$103,685
baseline
▲ 0.50% · 4.625%
HK$109,994
+HK$6,309/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,370/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,542
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,453
−HK$2,953/mo
Today · 4.125%
HK$114,406
baseline
▲ 0.50% · 4.625%
HK$120,437
+HK$6,031/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,812/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,262 · Scale 2, in force from 26 Feb 2026)