LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,227
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,914
−HK$1,714/mo
Today · 4.125%
HK$57,628
baseline
▲ 0.50% · 4.625%
HK$61,134
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,256/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,327
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,945
−HK$1,641/mo
Today · 4.125%
HK$63,586
baseline
▲ 0.50% · 4.625%
HK$66,938
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,172/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,072
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,097
−HK$2,056/mo
Today · 4.125%
HK$69,153
baseline
▲ 0.50% · 4.625%
HK$73,361
+HK$4,208/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,306/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,392
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,334
−HK$1,970/mo
Today · 4.125%
HK$76,304
baseline
▲ 0.50% · 4.625%
HK$80,326
+HK$4,022/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,608/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,918
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,279
−HK$2,400/mo
Today · 4.125%
HK$80,679
baseline
▲ 0.50% · 4.625%
HK$85,588
+HK$4,909/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$161,358/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,458
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,723
−HK$2,298/mo
Today · 4.125%
HK$89,021
baseline
▲ 0.50% · 4.625%
HK$93,713
+HK$4,692/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$178,042/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,609
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,645
−HK$3,085/mo
Today · 4.125%
HK$103,730
baseline
▲ 0.50% · 4.625%
HK$110,041
+HK$6,311/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,460/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,589
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,501
−HK$2,954/mo
Today · 4.125%
HK$114,455
baseline
▲ 0.50% · 4.625%
HK$120,488
+HK$6,033/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,910/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,697 · Scale 2, in force from 26 Feb 2026)