LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,278
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,966
−HK$1,716/mo
Today · 4.125%
HK$57,682
baseline
▲ 0.50% · 4.625%
HK$61,191
+HK$3,509/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,364/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,384
−HK$3,262/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$1,011,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,133
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,160
−HK$2,058/mo
Today · 4.125%
HK$69,218
baseline
▲ 0.50% · 4.625%
HK$73,430
+HK$4,212/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$1,011,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,460
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,404
−HK$1,971/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$1,011,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,989
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,353
−HK$2,401/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$1,011,646 · 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$1,011,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,700
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,739
−HK$3,088/mo
Today · 4.125%
HK$103,827
baseline
▲ 0.50% · 4.625%
HK$110,145
+HK$6,318/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,654/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,691
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,606
−HK$2,957/mo
Today · 4.125%
HK$114,563
baseline
▲ 0.50% · 4.625%
HK$120,601
+HK$6,038/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,126/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,646 · Scale 2, in force from 26 Feb 2026)