LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,278
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,966
−HK$1,715/mo
Today · 4.125%
HK$57,681
baseline
▲ 0.50% · 4.625%
HK$61,191
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,362/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,383
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,003
−HK$1,643/mo
Today · 4.125%
HK$63,646
baseline
▲ 0.50% · 4.625%
HK$67,001
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,292/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,133
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,159
−HK$2,059/mo
Today · 4.125%
HK$69,218
baseline
▲ 0.50% · 4.625%
HK$73,429
+HK$4,211/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,436/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,460
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,403
−HK$1,972/mo
Today · 4.125%
HK$76,375
baseline
▲ 0.50% · 4.625%
HK$80,401
+HK$4,026/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,750/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,989
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,352
−HK$2,402/mo
Today · 4.125%
HK$80,754
baseline
▲ 0.50% · 4.625%
HK$85,668
+HK$4,914/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,508/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,537
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,804
−HK$2,300/mo
Today · 4.125%
HK$89,104
baseline
▲ 0.50% · 4.625%
HK$93,801
+HK$4,697/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,208/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,700
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,739
−HK$3,087/mo
Today · 4.125%
HK$103,826
baseline
▲ 0.50% · 4.625%
HK$110,144
+HK$6,318/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,652/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,690
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,605
−HK$2,957/mo
Today · 4.125%
HK$114,562
baseline
▲ 0.50% · 4.625%
HK$120,601
+HK$6,039/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,124/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,641 · Scale 2, in force from 26 Feb 2026)