LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,281
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,970
−HK$1,715/mo
Today · 4.125%
HK$57,685
baseline
▲ 0.50% · 4.625%
HK$61,195
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,370/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,387
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,007
−HK$1,643/mo
Today · 4.125%
HK$63,650
baseline
▲ 0.50% · 4.625%
HK$67,005
+HK$3,355/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,300/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,138
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,164
−HK$2,058/mo
Today · 4.125%
HK$69,222
baseline
▲ 0.50% · 4.625%
HK$73,434
+HK$4,212/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,444/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,465
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,408
−HK$1,972/mo
Today · 4.125%
HK$76,380
baseline
▲ 0.50% · 4.625%
HK$80,406
+HK$4,026/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,760/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,994
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,358
−HK$2,401/mo
Today · 4.125%
HK$80,759
baseline
▲ 0.50% · 4.625%
HK$85,673
+HK$4,914/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,518/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,542
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,810
−HK$2,300/mo
Today · 4.125%
HK$89,110
baseline
▲ 0.50% · 4.625%
HK$93,807
+HK$4,697/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,220/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,706
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,746
−HK$3,087/mo
Today · 4.125%
HK$103,833
baseline
▲ 0.50% · 4.625%
HK$110,151
+HK$6,318/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,666/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,697
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,613
−HK$2,957/mo
Today · 4.125%
HK$114,570
baseline
▲ 0.50% · 4.625%
HK$120,609
+HK$6,039/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,140/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,709 · Scale 2, in force from 26 Feb 2026)