LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,247
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,935
−HK$1,714/mo
Today · 4.125%
HK$57,649
baseline
▲ 0.50% · 4.625%
HK$61,157
+HK$3,508/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,298/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,350
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,968
−HK$1,642/mo
Today · 4.125%
HK$63,610
baseline
▲ 0.50% · 4.625%
HK$66,963
+HK$3,353/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,220/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,097
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,122
−HK$2,057/mo
Today · 4.125%
HK$69,179
baseline
▲ 0.50% · 4.625%
HK$73,388
+HK$4,209/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$138,358/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,420
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,362
−HK$1,970/mo
Today · 4.125%
HK$76,332
baseline
▲ 0.50% · 4.625%
HK$80,356
+HK$4,024/mo
Deposit HK$9.52M · loan HK$14.27M · min. income ≈ HK$152,664/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,946
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,309
−HK$2,400/mo
Today · 4.125%
HK$80,709
baseline
▲ 0.50% · 4.625%
HK$85,620
+HK$4,911/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,418/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,490
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,755
−HK$2,299/mo
Today · 4.125%
HK$89,054
baseline
▲ 0.50% · 4.625%
HK$93,748
+HK$4,694/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,108/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,645
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,683
−HK$3,086/mo
Today · 4.125%
HK$103,769
baseline
▲ 0.50% · 4.625%
HK$110,083
+HK$6,314/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,538/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,629
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,543
−HK$2,955/mo
Today · 4.125%
HK$114,498
baseline
▲ 0.50% · 4.625%
HK$120,534
+HK$6,036/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$228,996/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,077 · Scale 2, in force from 26 Feb 2026)