LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,263
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,951
−HK$1,715/mo
Today · 4.125%
HK$57,666
baseline
▲ 0.50% · 4.625%
HK$61,175
+HK$3,509/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,332/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,367
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,986
−HK$1,642/mo
Today · 4.125%
HK$63,628
baseline
▲ 0.50% · 4.625%
HK$66,982
+HK$3,354/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,256/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,116
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,141
−HK$2,058/mo
Today · 4.125%
HK$69,199
baseline
▲ 0.50% · 4.625%
HK$73,409
+HK$4,210/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,398/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,440
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,383
−HK$1,971/mo
Today · 4.125%
HK$76,354
baseline
▲ 0.50% · 4.625%
HK$80,379
+HK$4,025/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,708/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,968
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,331
−HK$2,401/mo
Today · 4.125%
HK$80,732
baseline
▲ 0.50% · 4.625%
HK$85,644
+HK$4,912/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,464/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,514
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,780
−HK$2,300/mo
Today · 4.125%
HK$89,080
baseline
▲ 0.50% · 4.625%
HK$93,775
+HK$4,695/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,160/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,673
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,711
−HK$3,087/mo
Today · 4.125%
HK$103,798
baseline
▲ 0.50% · 4.625%
HK$110,114
+HK$6,316/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,596/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,661
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,575
−HK$2,956/mo
Today · 4.125%
HK$114,531
baseline
▲ 0.50% · 4.625%
HK$120,568
+HK$6,037/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,062/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,367 · Scale 2, in force from 26 Feb 2026)