LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,229
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,916
−HK$1,714/mo
Today · 4.125%
HK$57,630
baseline
▲ 0.50% · 4.625%
HK$61,136
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,260/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,329
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,947
−HK$1,642/mo
Today · 4.125%
HK$63,589
baseline
▲ 0.50% · 4.625%
HK$66,941
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,178/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,075
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,099
−HK$2,057/mo
Today · 4.125%
HK$69,156
baseline
▲ 0.50% · 4.625%
HK$73,364
+HK$4,208/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,312/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,395
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,337
−HK$1,970/mo
Today · 4.125%
HK$76,307
baseline
▲ 0.50% · 4.625%
HK$80,329
+HK$4,022/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,614/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,921
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,282
−HK$2,400/mo
Today · 4.125%
HK$80,682
baseline
▲ 0.50% · 4.625%
HK$85,591
+HK$4,909/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$161,364/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,461
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,726
−HK$2,298/mo
Today · 4.125%
HK$89,024
baseline
▲ 0.50% · 4.625%
HK$93,717
+HK$4,693/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$178,048/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,612
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,649
−HK$3,085/mo
Today · 4.125%
HK$103,734
baseline
▲ 0.50% · 4.625%
HK$110,046
+HK$6,312/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,468/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,593
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,505
−HK$2,955/mo
Today · 4.125%
HK$114,460
baseline
▲ 0.50% · 4.625%
HK$120,493
+HK$6,033/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,920/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,737 · Scale 2, in force from 26 Feb 2026)