LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,280
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,968
−HK$1,716/mo
Today · 4.125%
HK$57,684
baseline
▲ 0.50% · 4.625%
HK$61,194
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,368/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,386
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,005
−HK$1,643/mo
Today · 4.125%
HK$63,648
baseline
▲ 0.50% · 4.625%
HK$67,003
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,296/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,136
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,162
−HK$2,058/mo
Today · 4.125%
HK$69,220
baseline
▲ 0.50% · 4.625%
HK$73,432
+HK$4,212/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,440/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,463
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,406
−HK$1,972/mo
Today · 4.125%
HK$76,378
baseline
▲ 0.50% · 4.625%
HK$80,404
+HK$4,026/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,756/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,992
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,356
−HK$2,401/mo
Today · 4.125%
HK$80,757
baseline
▲ 0.50% · 4.625%
HK$85,671
+HK$4,914/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,514/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,540
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,808
−HK$2,300/mo
Today · 4.125%
HK$89,108
baseline
▲ 0.50% · 4.625%
HK$93,805
+HK$4,697/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,216/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,704
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,743
−HK$3,088/mo
Today · 4.125%
HK$103,831
baseline
▲ 0.50% · 4.625%
HK$110,149
+HK$6,318/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,662/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,695
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,610
−HK$2,957/mo
Today · 4.125%
HK$114,567
baseline
▲ 0.50% · 4.625%
HK$120,606
+HK$6,039/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,134/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,683 · Scale 2, in force from 26 Feb 2026)