LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,217
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,904
−HK$1,713/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$1,010,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,316
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,934
−HK$1,641/mo
Today · 4.125%
HK$63,575
baseline
▲ 0.50% · 4.625%
HK$66,926
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,150/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,061
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,085
−HK$2,056/mo
Today · 4.125%
HK$69,141
baseline
▲ 0.50% · 4.625%
HK$73,348
+HK$4,207/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,282/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,380
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,321
−HK$1,969/mo
Today · 4.125%
HK$76,290
baseline
▲ 0.50% · 4.625%
HK$80,311
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,580/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,904
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,265
−HK$2,399/mo
Today · 4.125%
HK$80,664
baseline
▲ 0.50% · 4.625%
HK$85,572
+HK$4,908/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,328/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,443
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,708
−HK$2,297/mo
Today · 4.125%
HK$89,005
baseline
▲ 0.50% · 4.625%
HK$93,697
+HK$4,692/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$178,010/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,591
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,627
−HK$3,084/mo
Today · 4.125%
HK$103,711
baseline
▲ 0.50% · 4.625%
HK$110,022
+HK$6,311/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,422/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,569
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,481
−HK$2,954/mo
Today · 4.125%
HK$114,435
baseline
▲ 0.50% · 4.625%
HK$120,467
+HK$6,032/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,870/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,518 · Scale 2, in force from 26 Feb 2026)