LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,215
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,901
−HK$1,713/mo
Today · 4.125%
HK$57,614
baseline
▲ 0.50% · 4.625%
HK$61,120
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,228/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,313
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,931
−HK$1,641/mo
Today · 4.125%
HK$63,572
baseline
▲ 0.50% · 4.625%
HK$66,923
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,144/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,058
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,081
−HK$2,056/mo
Today · 4.125%
HK$69,137
baseline
▲ 0.50% · 4.625%
HK$73,344
+HK$4,207/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,274/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,376
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,317
−HK$1,969/mo
Today · 4.125%
HK$76,286
baseline
▲ 0.50% · 4.625%
HK$80,307
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,572/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,901
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,262
−HK$2,398/mo
Today · 4.125%
HK$80,660
baseline
▲ 0.50% · 4.625%
HK$85,568
+HK$4,908/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,320/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,439
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,703
−HK$2,298/mo
Today · 4.125%
HK$89,001
baseline
▲ 0.50% · 4.625%
HK$93,692
+HK$4,691/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$178,002/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,586
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,622
−HK$3,084/mo
Today · 4.125%
HK$103,706
baseline
▲ 0.50% · 4.625%
HK$110,016
+HK$6,310/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,412/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,564
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,476
−HK$2,953/mo
Today · 4.125%
HK$114,429
baseline
▲ 0.50% · 4.625%
HK$120,461
+HK$6,032/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,858/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,468 · Scale 2, in force from 26 Feb 2026)