LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,205
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,891
−HK$1,714/mo
Today · 4.125%
HK$57,605
baseline
▲ 0.50% · 4.625%
HK$61,110
+HK$3,505/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,210/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,303
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,920
−HK$1,641/mo
Today · 4.125%
HK$63,561
baseline
▲ 0.50% · 4.625%
HK$66,911
+HK$3,350/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,122/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,046
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,070
−HK$2,055/mo
Today · 4.125%
HK$69,125
baseline
▲ 0.50% · 4.625%
HK$73,332
+HK$4,207/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,250/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,364
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,304
−HK$1,969/mo
Today · 4.125%
HK$76,273
baseline
▲ 0.50% · 4.625%
HK$80,294
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,546/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,888
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,248
−HK$2,398/mo
Today · 4.125%
HK$80,646
baseline
▲ 0.50% · 4.625%
HK$85,554
+HK$4,908/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,292/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,424
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,688
−HK$2,297/mo
Today · 4.125%
HK$88,985
baseline
▲ 0.50% · 4.625%
HK$93,676
+HK$4,691/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,970/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,570
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,605
−HK$3,083/mo
Today · 4.125%
HK$103,688
baseline
▲ 0.50% · 4.625%
HK$109,997
+HK$6,309/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$207,376/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,545
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,456
−HK$2,954/mo
Today · 4.125%
HK$114,410
baseline
▲ 0.50% · 4.625%
HK$120,440
+HK$6,030/mo
Deposit HK$2.38M · loan HK$21.39M · min. income ≈ HK$228,820/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,294 · Scale 2, in force from 26 Feb 2026)