LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,231
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,918
−HK$1,714/mo
Today · 4.125%
HK$57,632
baseline
▲ 0.50% · 4.625%
HK$61,139
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,264/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,332
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,950
−HK$1,641/mo
Today · 4.125%
HK$63,591
baseline
▲ 0.50% · 4.625%
HK$66,943
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,182/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,077
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,102
−HK$2,056/mo
Today · 4.125%
HK$69,158
baseline
▲ 0.50% · 4.625%
HK$73,366
+HK$4,208/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,316/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,398
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,340
−HK$1,969/mo
Today · 4.125%
HK$76,309
baseline
▲ 0.50% · 4.625%
HK$80,332
+HK$4,023/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,618/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,924
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,285
−HK$2,400/mo
Today · 4.125%
HK$80,685
baseline
▲ 0.50% · 4.625%
HK$85,594
+HK$4,909/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$161,370/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,464
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,730
−HK$2,298/mo
Today · 4.125%
HK$89,028
baseline
▲ 0.50% · 4.625%
HK$93,720
+HK$4,692/mo
Deposit HK$7.13M · loan HK$16.65M · min. income ≈ HK$178,056/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,616
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,653
−HK$3,085/mo
Today · 4.125%
HK$103,738
baseline
▲ 0.50% · 4.625%
HK$110,050
+HK$6,312/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$207,476/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,597
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,509
−HK$2,955/mo
Today · 4.125%
HK$114,464
baseline
▲ 0.50% · 4.625%
HK$120,498
+HK$6,034/mo
Deposit HK$2.38M · loan HK$21.40M · min. income ≈ HK$228,928/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,775 · Scale 2, in force from 26 Feb 2026)