LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,214
−HK$3,399/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$1,010,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,312
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,930
−HK$1,641/mo
Today · 4.125%
HK$63,571
baseline
▲ 0.50% · 4.625%
HK$66,922
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,142/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,449 · 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$73,343
+HK$4,207/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$1,010,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,375
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,316
−HK$1,969/mo
Today · 4.125%
HK$76,285
baseline
▲ 0.50% · 4.625%
HK$80,306
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,570/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,899
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,260
−HK$2,399/mo
Today · 4.125%
HK$80,659
baseline
▲ 0.50% · 4.625%
HK$85,567
+HK$4,908/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,318/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,437
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,702
−HK$2,297/mo
Today · 4.125%
HK$88,999
baseline
▲ 0.50% · 4.625%
HK$93,690
+HK$4,691/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$177,998/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,585
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,620
−HK$3,084/mo
Today · 4.125%
HK$103,704
baseline
▲ 0.50% · 4.625%
HK$110,014
+HK$6,310/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,408/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,562
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,474
−HK$2,953/mo
Today · 4.125%
HK$114,427
baseline
▲ 0.50% · 4.625%
HK$120,459
+HK$6,032/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,854/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,449 · Scale 2, in force from 26 Feb 2026)