LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,216
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,903
−HK$1,713/mo
Today · 4.125%
HK$57,616
baseline
▲ 0.50% · 4.625%
HK$61,122
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,232/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,315
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,933
−HK$1,641/mo
Today · 4.125%
HK$63,574
baseline
▲ 0.50% · 4.625%
HK$66,925
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,148/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,060
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,083
−HK$2,056/mo
Today · 4.125%
HK$69,139
baseline
▲ 0.50% · 4.625%
HK$73,346
+HK$4,207/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,278/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,378
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,319
−HK$1,969/mo
Today · 4.125%
HK$76,288
baseline
▲ 0.50% · 4.625%
HK$80,310
+HK$4,022/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,576/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,903
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,264
−HK$2,399/mo
Today · 4.125%
HK$80,663
baseline
▲ 0.50% · 4.625%
HK$85,571
+HK$4,908/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,326/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,441
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,706
−HK$2,297/mo
Today · 4.125%
HK$89,003
baseline
▲ 0.50% · 4.625%
HK$93,695
+HK$4,692/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$178,006/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,589
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,625
−HK$3,084/mo
Today · 4.125%
HK$103,709
baseline
▲ 0.50% · 4.625%
HK$110,019
+HK$6,310/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,418/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,567
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,479
−HK$2,954/mo
Today · 4.125%
HK$114,433
baseline
▲ 0.50% · 4.625%
HK$120,465
+HK$6,032/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,866/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,498 · Scale 2, in force from 26 Feb 2026)