LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,276
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,965
−HK$1,715/mo
Today · 4.125%
HK$57,680
baseline
▲ 0.50% · 4.625%
HK$61,190
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,360/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,382
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,001
−HK$1,643/mo
Today · 4.125%
HK$63,644
baseline
▲ 0.50% · 4.625%
HK$66,999
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,288/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,132
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,158
−HK$2,058/mo
Today · 4.125%
HK$69,216
baseline
▲ 0.50% · 4.625%
HK$73,427
+HK$4,211/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,432/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,458
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,401
−HK$1,972/mo
Today · 4.125%
HK$76,373
baseline
▲ 0.50% · 4.625%
HK$80,399
+HK$4,026/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,746/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,987
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,350
−HK$2,402/mo
Today · 4.125%
HK$80,752
baseline
▲ 0.50% · 4.625%
HK$85,665
+HK$4,913/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,504/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,535
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,802
−HK$2,300/mo
Today · 4.125%
HK$89,102
baseline
▲ 0.50% · 4.625%
HK$93,798
+HK$4,696/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,204/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,697
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,736
−HK$3,088/mo
Today · 4.125%
HK$103,824
baseline
▲ 0.50% · 4.625%
HK$110,141
+HK$6,317/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,648/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,687
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,602
−HK$2,957/mo
Today · 4.125%
HK$114,559
baseline
▲ 0.50% · 4.625%
HK$120,598
+HK$6,039/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,118/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,616 · Scale 2, in force from 26 Feb 2026)