LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,217
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,903
−HK$1,714/mo
Today · 4.125%
HK$57,617
baseline
▲ 0.50% · 4.625%
HK$61,123
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,234/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,316
−HK$3,258/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$1,010,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,060
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,084
−HK$2,056/mo
Today · 4.125%
HK$69,140
baseline
▲ 0.50% · 4.625%
HK$73,347
+HK$4,207/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,280/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,379
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,320
−HK$1,969/mo
Today · 4.125%
HK$76,289
baseline
▲ 0.50% · 4.625%
HK$80,311
+HK$4,022/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,578/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,904
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,265
−HK$2,398/mo
Today · 4.125%
HK$80,663
baseline
▲ 0.50% · 4.625%
HK$85,572
+HK$4,909/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$1,010,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,442
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,707
−HK$2,297/mo
Today · 4.125%
HK$89,004
baseline
▲ 0.50% · 4.625%
HK$93,696
+HK$4,692/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$178,008/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,590
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,626
−HK$3,084/mo
Today · 4.125%
HK$103,710
baseline
▲ 0.50% · 4.625%
HK$110,021
+HK$6,311/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,420/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,568
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,480
−HK$2,954/mo
Today · 4.125%
HK$114,434
baseline
▲ 0.50% · 4.625%
HK$120,466
+HK$6,032/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,868/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,507 · Scale 2, in force from 26 Feb 2026)