LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,254
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,942
−HK$1,715/mo
Today · 4.125%
HK$57,657
baseline
▲ 0.50% · 4.625%
HK$61,165
+HK$3,508/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,314/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,357
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,976
−HK$1,642/mo
Today · 4.125%
HK$63,618
baseline
▲ 0.50% · 4.625%
HK$66,972
+HK$3,354/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,236/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,105
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,130
−HK$2,058/mo
Today · 4.125%
HK$69,188
baseline
▲ 0.50% · 4.625%
HK$73,398
+HK$4,210/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,376/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,429
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,371
−HK$1,971/mo
Today · 4.125%
HK$76,342
baseline
▲ 0.50% · 4.625%
HK$80,366
+HK$4,024/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,684/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,956
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,319
−HK$2,400/mo
Today · 4.125%
HK$80,719
baseline
▲ 0.50% · 4.625%
HK$85,631
+HK$4,912/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,438/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,500
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,767
−HK$2,299/mo
Today · 4.125%
HK$89,066
baseline
▲ 0.50% · 4.625%
HK$93,761
+HK$4,695/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,132/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,658
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,696
−HK$3,086/mo
Today · 4.125%
HK$103,782
baseline
▲ 0.50% · 4.625%
HK$110,097
+HK$6,315/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$207,564/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,643
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,557
−HK$2,956/mo
Today · 4.125%
HK$114,513
baseline
▲ 0.50% · 4.625%
HK$120,549
+HK$6,036/mo
Deposit HK$2.38M · loan HK$21.41M · min. income ≈ HK$229,026/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,207 · Scale 2, in force from 26 Feb 2026)