LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,272
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,960
−HK$1,715/mo
Today · 4.125%
HK$57,675
baseline
▲ 0.50% · 4.625%
HK$61,185
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,350/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,377
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,997
−HK$1,642/mo
Today · 4.125%
HK$63,639
baseline
▲ 0.50% · 4.625%
HK$66,994
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,278/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,127
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,152
−HK$2,059/mo
Today · 4.125%
HK$69,211
baseline
▲ 0.50% · 4.625%
HK$73,422
+HK$4,211/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,422/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,453
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,396
−HK$1,971/mo
Today · 4.125%
HK$76,367
baseline
▲ 0.50% · 4.625%
HK$80,392
+HK$4,025/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,734/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,981
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,344
−HK$2,402/mo
Today · 4.125%
HK$80,746
baseline
▲ 0.50% · 4.625%
HK$85,659
+HK$4,913/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,492/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,528
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,795
−HK$2,300/mo
Today · 4.125%
HK$89,095
baseline
▲ 0.50% · 4.625%
HK$93,791
+HK$4,696/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,190/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,690
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,729
−HK$3,087/mo
Today · 4.125%
HK$103,816
baseline
▲ 0.50% · 4.625%
HK$110,133
+HK$6,317/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,632/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,679
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,594
−HK$2,957/mo
Today · 4.125%
HK$114,551
baseline
▲ 0.50% · 4.625%
HK$120,589
+HK$6,038/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,102/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,539 · Scale 2, in force from 26 Feb 2026)