LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,246
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,933
−HK$1,715/mo
Today · 4.125%
HK$57,648
baseline
▲ 0.50% · 4.625%
HK$61,155
+HK$3,507/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$115,296/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,348
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,967
−HK$1,642/mo
Today · 4.125%
HK$63,609
baseline
▲ 0.50% · 4.625%
HK$66,961
+HK$3,352/mo
Deposit HK$11.89M · loan HK$11.89M · min. income ≈ HK$127,218/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,095
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,120
−HK$2,057/mo
Today · 4.125%
HK$69,177
baseline
▲ 0.50% · 4.625%
HK$73,386
+HK$4,209/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$138,354/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,418
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,360
−HK$1,970/mo
Today · 4.125%
HK$76,330
baseline
▲ 0.50% · 4.625%
HK$80,354
+HK$4,024/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$152,660/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,944
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,307
−HK$2,400/mo
Today · 4.125%
HK$80,707
baseline
▲ 0.50% · 4.625%
HK$85,618
+HK$4,911/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,414/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,487
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,753
−HK$2,299/mo
Today · 4.125%
HK$89,052
baseline
▲ 0.50% · 4.625%
HK$93,746
+HK$4,694/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,104/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,643
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,680
−HK$3,086/mo
Today · 4.125%
HK$103,766
baseline
▲ 0.50% · 4.625%
HK$110,080
+HK$6,314/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,532/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,627
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,540
−HK$2,955/mo
Today · 4.125%
HK$114,495
baseline
▲ 0.50% · 4.625%
HK$120,531
+HK$6,036/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,990/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,051 · Scale 2, in force from 26 Feb 2026)