LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,223
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,909
−HK$1,714/mo
Today · 4.125%
HK$57,623
baseline
▲ 0.50% · 4.625%
HK$61,129
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,246/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,322
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,940
−HK$1,641/mo
Today · 4.125%
HK$63,581
baseline
▲ 0.50% · 4.625%
HK$66,933
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,162/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,067
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,091
−HK$2,057/mo
Today · 4.125%
HK$69,148
baseline
▲ 0.50% · 4.625%
HK$73,355
+HK$4,207/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,296/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,387
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,328
−HK$1,969/mo
Today · 4.125%
HK$76,297
baseline
▲ 0.50% · 4.625%
HK$80,319
+HK$4,022/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,594/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,912
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,273
−HK$2,399/mo
Today · 4.125%
HK$80,672
baseline
▲ 0.50% · 4.625%
HK$85,581
+HK$4,909/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$161,344/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,451
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,716
−HK$2,298/mo
Today · 4.125%
HK$89,014
baseline
▲ 0.50% · 4.625%
HK$93,706
+HK$4,692/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$178,028/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,601
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,637
−HK$3,084/mo
Today · 4.125%
HK$103,721
baseline
▲ 0.50% · 4.625%
HK$110,033
+HK$6,312/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,442/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,580
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,492
−HK$2,954/mo
Today · 4.125%
HK$114,446
baseline
▲ 0.50% · 4.625%
HK$120,479
+HK$6,033/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,892/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,617 · Scale 2, in force from 26 Feb 2026)