LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,252
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,939
−HK$1,715/mo
Today · 4.125%
HK$57,654
baseline
▲ 0.50% · 4.625%
HK$61,162
+HK$3,508/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,308/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,355
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,973
−HK$1,642/mo
Today · 4.125%
HK$63,615
baseline
▲ 0.50% · 4.625%
HK$66,969
+HK$3,354/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,230/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,102
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,127
−HK$2,058/mo
Today · 4.125%
HK$69,185
baseline
▲ 0.50% · 4.625%
HK$73,394
+HK$4,209/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,370/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,426
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,368
−HK$1,970/mo
Today · 4.125%
HK$76,338
baseline
▲ 0.50% · 4.625%
HK$80,362
+HK$4,024/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,676/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,953
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,315
−HK$2,400/mo
Today · 4.125%
HK$80,715
baseline
▲ 0.50% · 4.625%
HK$85,627
+HK$4,912/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$161,430/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,496
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,763
−HK$2,299/mo
Today · 4.125%
HK$89,062
baseline
▲ 0.50% · 4.625%
HK$93,756
+HK$4,694/mo
Deposit HK$7.14M · loan HK$16.65M · min. income ≈ HK$178,124/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,653
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,691
−HK$3,086/mo
Today · 4.125%
HK$103,777
baseline
▲ 0.50% · 4.625%
HK$110,092
+HK$6,315/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,554/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,638
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,552
−HK$2,956/mo
Today · 4.125%
HK$114,508
baseline
▲ 0.50% · 4.625%
HK$120,544
+HK$6,036/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$229,016/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,160 · Scale 2, in force from 26 Feb 2026)