LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,274
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,962
−HK$1,715/mo
Today · 4.125%
HK$57,677
baseline
▲ 0.50% · 4.625%
HK$61,187
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,354/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,379
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,999
−HK$1,642/mo
Today · 4.125%
HK$63,641
baseline
▲ 0.50% · 4.625%
HK$66,996
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,282/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,129
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,155
−HK$2,058/mo
Today · 4.125%
HK$69,213
baseline
▲ 0.50% · 4.625%
HK$73,424
+HK$4,211/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,426/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,455
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,398
−HK$1,972/mo
Today · 4.125%
HK$76,370
baseline
▲ 0.50% · 4.625%
HK$80,395
+HK$4,025/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,740/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,984
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,347
−HK$2,401/mo
Today · 4.125%
HK$80,748
baseline
▲ 0.50% · 4.625%
HK$85,662
+HK$4,914/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,496/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,531
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,798
−HK$2,300/mo
Today · 4.125%
HK$89,098
baseline
▲ 0.50% · 4.625%
HK$93,794
+HK$4,696/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,196/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,693
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,732
−HK$3,087/mo
Today · 4.125%
HK$103,819
baseline
▲ 0.50% · 4.625%
HK$110,137
+HK$6,318/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,638/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,683
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,598
−HK$2,957/mo
Today · 4.125%
HK$114,555
baseline
▲ 0.50% · 4.625%
HK$120,593
+HK$6,038/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,110/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,574 · Scale 2, in force from 26 Feb 2026)