LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,213
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,900
−HK$1,713/mo
Today · 4.125%
HK$57,613
baseline
▲ 0.50% · 4.625%
HK$61,119
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,226/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,312
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,929
−HK$1,641/mo
Today · 4.125%
HK$63,570
baseline
▲ 0.50% · 4.625%
HK$66,921
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,140/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,056
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,080
−HK$2,056/mo
Today · 4.125%
HK$69,136
baseline
▲ 0.50% · 4.625%
HK$73,342
+HK$4,206/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,272/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,374
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,315
−HK$1,969/mo
Today · 4.125%
HK$76,284
baseline
▲ 0.50% · 4.625%
HK$80,305
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,568/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,899
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,260
−HK$2,398/mo
Today · 4.125%
HK$80,658
baseline
▲ 0.50% · 4.625%
HK$85,566
+HK$4,908/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,316/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,436
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,701
−HK$2,297/mo
Today · 4.125%
HK$88,998
baseline
▲ 0.50% · 4.625%
HK$93,690
+HK$4,692/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,996/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,584
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,619
−HK$3,084/mo
Today · 4.125%
HK$103,703
baseline
▲ 0.50% · 4.625%
HK$110,013
+HK$6,310/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,406/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,561
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,473
−HK$2,953/mo
Today · 4.125%
HK$114,426
baseline
▲ 0.50% · 4.625%
HK$120,458
+HK$6,032/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,852/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,442 · Scale 2, in force from 26 Feb 2026)