LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,226
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,913
−HK$1,714/mo
Today · 4.125%
HK$57,627
baseline
▲ 0.50% · 4.625%
HK$61,133
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,254/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,326
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,944
−HK$1,641/mo
Today · 4.125%
HK$63,585
baseline
▲ 0.50% · 4.625%
HK$66,937
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,170/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,071
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,095
−HK$2,057/mo
Today · 4.125%
HK$69,152
baseline
▲ 0.50% · 4.625%
HK$73,360
+HK$4,208/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,304/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,391
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,333
−HK$1,969/mo
Today · 4.125%
HK$76,302
baseline
▲ 0.50% · 4.625%
HK$80,324
+HK$4,022/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,604/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,917
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,278
−HK$2,399/mo
Today · 4.125%
HK$80,677
baseline
▲ 0.50% · 4.625%
HK$85,586
+HK$4,909/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$161,354/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,456
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,722
−HK$2,297/mo
Today · 4.125%
HK$89,019
baseline
▲ 0.50% · 4.625%
HK$93,712
+HK$4,693/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$178,038/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$1,010,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,607
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,643
−HK$3,085/mo
Today · 4.125%
HK$103,728
baseline
▲ 0.50% · 4.625%
HK$110,039
+HK$6,311/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,456/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,587
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,499
−HK$2,954/mo
Today · 4.125%
HK$114,453
baseline
▲ 0.50% · 4.625%
HK$120,486
+HK$6,033/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,906/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,681 · Scale 2, in force from 26 Feb 2026)