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$61,114
+HK$3,506/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$1,010,361 · 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$66,916
+HK$3,351/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$1,010,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,051
−HK$4,079/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$1,010,361 · 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$80,299
+HK$4,021/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$1,010,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,893
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,253
−HK$2,399/mo
Today · 4.125%
HK$80,652
baseline
▲ 0.50% · 4.625%
HK$85,559
+HK$4,907/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,304/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,430
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,694
−HK$2,297/mo
Today · 4.125%
HK$88,991
baseline
▲ 0.50% · 4.625%
HK$93,682
+HK$4,691/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$1,010,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,576
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,611
−HK$3,084/mo
Today · 4.125%
HK$103,695
baseline
▲ 0.50% · 4.625%
HK$110,005
+HK$6,310/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,390/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,552
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,464
−HK$2,953/mo
Today · 4.125%
HK$114,417
baseline
▲ 0.50% · 4.625%
HK$120,448
+HK$6,031/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,834/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,361 · Scale 2, in force from 26 Feb 2026)