LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,233
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,920
−HK$1,714/mo
Today · 4.125%
HK$57,634
baseline
▲ 0.50% · 4.625%
HK$61,140
+HK$3,506/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,268/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,333
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,951
−HK$1,642/mo
Today · 4.125%
HK$63,593
baseline
▲ 0.50% · 4.625%
HK$66,945
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,186/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,079
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,104
−HK$2,056/mo
Today · 4.125%
HK$69,160
baseline
▲ 0.50% · 4.625%
HK$73,369
+HK$4,209/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,320/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,400
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,342
−HK$1,970/mo
Today · 4.125%
HK$76,312
baseline
▲ 0.50% · 4.625%
HK$80,334
+HK$4,022/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,624/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,926
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,288
−HK$2,399/mo
Today · 4.125%
HK$80,687
baseline
▲ 0.50% · 4.625%
HK$85,597
+HK$4,910/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,374/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,467
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,732
−HK$2,298/mo
Today · 4.125%
HK$89,030
baseline
▲ 0.50% · 4.625%
HK$93,723
+HK$4,693/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,060/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,619
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,655
−HK$3,086/mo
Today · 4.125%
HK$103,741
baseline
▲ 0.50% · 4.625%
HK$110,053
+HK$6,312/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,482/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,600
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,513
−HK$2,954/mo
Today · 4.125%
HK$114,467
baseline
▲ 0.50% · 4.625%
HK$120,501
+HK$6,034/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,934/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,804 · Scale 2, in force from 26 Feb 2026)