LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,283
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,971
−HK$1,716/mo
Today · 4.125%
HK$57,687
baseline
▲ 0.50% · 4.625%
HK$61,197
+HK$3,510/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$115,374/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,389
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,008
−HK$1,643/mo
Today · 4.125%
HK$63,651
baseline
▲ 0.50% · 4.625%
HK$67,007
+HK$3,356/mo
Deposit HK$11.90M · loan HK$11.90M · min. income ≈ HK$127,302/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,011,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,139
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,165
−HK$2,059/mo
Today · 4.125%
HK$69,224
baseline
▲ 0.50% · 4.625%
HK$73,436
+HK$4,212/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$138,448/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,467
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,410
−HK$1,972/mo
Today · 4.125%
HK$76,382
baseline
▲ 0.50% · 4.625%
HK$80,408
+HK$4,026/mo
Deposit HK$9.52M · loan HK$14.28M · min. income ≈ HK$152,764/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,011,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,996
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,359
−HK$2,402/mo
Today · 4.125%
HK$80,761
baseline
▲ 0.50% · 4.625%
HK$85,675
+HK$4,914/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$161,522/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,544
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,812
−HK$2,300/mo
Today · 4.125%
HK$89,112
baseline
▲ 0.50% · 4.625%
HK$93,809
+HK$4,697/mo
Deposit HK$7.14M · loan HK$16.66M · min. income ≈ HK$178,224/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$1,011,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,709
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,748
−HK$3,088/mo
Today · 4.125%
HK$103,836
baseline
▲ 0.50% · 4.625%
HK$110,154
+HK$6,318/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$207,672/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,700
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,615
−HK$2,958/mo
Today · 4.125%
HK$114,573
baseline
▲ 0.50% · 4.625%
HK$120,612
+HK$6,039/mo
Deposit HK$2.38M · loan HK$21.42M · min. income ≈ HK$229,146/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,011,733 · Scale 2, in force from 26 Feb 2026)