LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,237
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,924
−HK$1,715/mo
Today · 4.125%
HK$57,639
baseline
▲ 0.50% · 4.625%
HK$61,146
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,278/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,339
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,957
−HK$1,641/mo
Today · 4.125%
HK$63,598
baseline
▲ 0.50% · 4.625%
HK$66,951
+HK$3,353/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,196/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,010,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,085
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,109
−HK$2,057/mo
Today · 4.125%
HK$69,166
baseline
▲ 0.50% · 4.625%
HK$73,375
+HK$4,209/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$138,332/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,010,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,406
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,348
−HK$1,970/mo
Today · 4.125%
HK$76,318
baseline
▲ 0.50% · 4.625%
HK$80,341
+HK$4,023/mo
Deposit HK$9.51M · loan HK$14.27M · min. income ≈ HK$152,636/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,010,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,932
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,294
−HK$2,400/mo
Today · 4.125%
HK$80,694
baseline
▲ 0.50% · 4.625%
HK$85,604
+HK$4,910/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,388/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,474
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,739
−HK$2,299/mo
Today · 4.125%
HK$89,038
baseline
▲ 0.50% · 4.625%
HK$93,731
+HK$4,693/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,076/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,010,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,627
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,664
−HK$3,085/mo
Today · 4.125%
HK$103,749
baseline
▲ 0.50% · 4.625%
HK$110,062
+HK$6,313/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,498/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,609
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,522
−HK$2,955/mo
Today · 4.125%
HK$114,477
baseline
▲ 0.50% · 4.625%
HK$120,511
+HK$6,034/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,954/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,010,890 · Scale 2, in force from 26 Feb 2026)