LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,209
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,895
−HK$1,713/mo
Today · 4.125%
HK$57,608
baseline
▲ 0.50% · 4.625%
HK$61,113
+HK$3,505/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,216/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,307
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,924
−HK$1,641/mo
Today · 4.125%
HK$63,565
baseline
▲ 0.50% · 4.625%
HK$66,915
+HK$3,350/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,130/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,050
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,074
−HK$2,056/mo
Today · 4.125%
HK$69,130
baseline
▲ 0.50% · 4.625%
HK$73,336
+HK$4,206/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$138,260/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,368
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,309
−HK$1,969/mo
Today · 4.125%
HK$76,278
baseline
▲ 0.50% · 4.625%
HK$80,298
+HK$4,020/mo
Deposit HK$9.51M · loan HK$14.26M · min. income ≈ HK$152,556/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,892
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,253
−HK$2,398/mo
Today · 4.125%
HK$80,651
baseline
▲ 0.50% · 4.625%
HK$85,559
+HK$4,908/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,302/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,429
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,693
−HK$2,298/mo
Today · 4.125%
HK$88,991
baseline
▲ 0.50% · 4.625%
HK$93,681
+HK$4,690/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,982/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,575
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,611
−HK$3,083/mo
Today · 4.125%
HK$103,694
baseline
▲ 0.50% · 4.625%
HK$110,004
+HK$6,310/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,388/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,552
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,463
−HK$2,953/mo
Today · 4.125%
HK$114,416
baseline
▲ 0.50% · 4.625%
HK$120,448
+HK$6,032/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,832/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,354 · Scale 2, in force from 26 Feb 2026)