LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,266
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,954
−HK$1,715/mo
Today · 4.125%
HK$57,669
baseline
▲ 0.50% · 4.625%
HK$61,178
+HK$3,509/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,338/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,370
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,989
−HK$1,643/mo
Today · 4.125%
HK$63,632
baseline
▲ 0.50% · 4.625%
HK$66,986
+HK$3,354/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,264/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,119
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,144
−HK$2,058/mo
Today · 4.125%
HK$69,202
baseline
▲ 0.50% · 4.625%
HK$73,413
+HK$4,211/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,404/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,444
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,387
−HK$1,971/mo
Today · 4.125%
HK$76,358
baseline
▲ 0.50% · 4.625%
HK$80,383
+HK$4,025/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,716/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,972
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,335
−HK$2,401/mo
Today · 4.125%
HK$80,736
baseline
▲ 0.50% · 4.625%
HK$85,649
+HK$4,913/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,472/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,518
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,785
−HK$2,299/mo
Today · 4.125%
HK$89,084
baseline
▲ 0.50% · 4.625%
HK$93,780
+HK$4,696/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,168/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,678
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,716
−HK$3,087/mo
Today · 4.125%
HK$103,803
baseline
▲ 0.50% · 4.625%
HK$110,120
+HK$6,317/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,606/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,666
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,580
−HK$2,957/mo
Today · 4.125%
HK$114,537
baseline
▲ 0.50% · 4.625%
HK$120,574
+HK$6,037/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,074/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,417 · Scale 2, in force from 26 Feb 2026)