LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,235
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,922
−HK$1,714/mo
Today · 4.125%
HK$57,636
baseline
▲ 0.50% · 4.625%
HK$61,143
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,272/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,336
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,955
−HK$1,641/mo
Today · 4.125%
HK$63,596
baseline
▲ 0.50% · 4.625%
HK$66,948
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,192/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,082
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,107
−HK$2,057/mo
Today · 4.125%
HK$69,164
baseline
▲ 0.50% · 4.625%
HK$73,372
+HK$4,208/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,328/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,404
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,345
−HK$1,970/mo
Today · 4.125%
HK$76,315
baseline
▲ 0.50% · 4.625%
HK$80,338
+HK$4,023/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,630/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,010,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,930
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,291
−HK$2,400/mo
Today · 4.125%
HK$80,691
baseline
▲ 0.50% · 4.625%
HK$85,601
+HK$4,910/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,382/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,471
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,736
−HK$2,299/mo
Today · 4.125%
HK$89,035
baseline
▲ 0.50% · 4.625%
HK$93,728
+HK$4,693/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,070/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,624
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,660
−HK$3,086/mo
Today · 4.125%
HK$103,746
baseline
▲ 0.50% · 4.625%
HK$110,058
+HK$6,312/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,492/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,605
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,518
−HK$2,955/mo
Today · 4.125%
HK$114,473
baseline
▲ 0.50% · 4.625%
HK$120,507
+HK$6,034/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,946/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,854 · Scale 2, in force from 26 Feb 2026)