LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,220
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,906
−HK$1,714/mo
Today · 4.125%
HK$57,620
baseline
▲ 0.50% · 4.625%
HK$61,126
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,240/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,319
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,937
−HK$1,641/mo
Today · 4.125%
HK$63,578
baseline
▲ 0.50% · 4.625%
HK$66,929
+HK$3,351/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,156/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,064
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,087
−HK$2,057/mo
Today · 4.125%
HK$69,144
baseline
▲ 0.50% · 4.625%
HK$73,351
+HK$4,207/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,288/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,383
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,324
−HK$1,969/mo
Today · 4.125%
HK$76,293
baseline
▲ 0.50% · 4.625%
HK$80,315
+HK$4,022/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,586/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,908
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,269
−HK$2,399/mo
Today · 4.125%
HK$80,668
baseline
▲ 0.50% · 4.625%
HK$85,576
+HK$4,908/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$161,336/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,446
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,711
−HK$2,298/mo
Today · 4.125%
HK$89,009
baseline
▲ 0.50% · 4.625%
HK$93,700
+HK$4,691/mo
Deposit HK$7.13M · loan HK$16.64M · min. income ≈ HK$178,018/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,595
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,631
−HK$3,084/mo
Today · 4.125%
HK$103,715
baseline
▲ 0.50% · 4.625%
HK$110,026
+HK$6,311/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,430/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,574
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,486
−HK$2,954/mo
Today · 4.125%
HK$114,440
baseline
▲ 0.50% · 4.625%
HK$120,472
+HK$6,032/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,880/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,560 · Scale 2, in force from 26 Feb 2026)