LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,223
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,910
−HK$1,714/mo
Today · 4.125%
HK$57,624
baseline
▲ 0.50% · 4.625%
HK$61,130
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,248/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,323
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,941
−HK$1,641/mo
Today · 4.125%
HK$63,582
baseline
▲ 0.50% · 4.625%
HK$66,934
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,164/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,068
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,092
−HK$2,056/mo
Today · 4.125%
HK$69,148
baseline
▲ 0.50% · 4.625%
HK$73,356
+HK$4,208/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$1,010,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,388
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,329
−HK$1,970/mo
Today · 4.125%
HK$76,299
baseline
▲ 0.50% · 4.625%
HK$80,320
+HK$4,021/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,598/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,913
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,274
−HK$2,399/mo
Today · 4.125%
HK$80,673
baseline
▲ 0.50% · 4.625%
HK$85,582
+HK$4,909/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$161,346/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,452
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,717
−HK$2,298/mo
Today · 4.125%
HK$89,015
baseline
▲ 0.50% · 4.625%
HK$93,707
+HK$4,692/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$178,030/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,602
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,638
−HK$3,085/mo
Today · 4.125%
HK$103,723
baseline
▲ 0.50% · 4.625%
HK$110,034
+HK$6,311/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,446/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,581
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,494
−HK$2,954/mo
Today · 4.125%
HK$114,448
baseline
▲ 0.50% · 4.625%
HK$120,480
+HK$6,032/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,896/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,631 · Scale 2, in force from 26 Feb 2026)