LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,302
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,991
−HK$1,716/mo
Today · 4.125%
HK$57,707
baseline
▲ 0.50% · 4.625%
HK$61,218
+HK$3,511/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,414/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,410
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,030
−HK$1,644/mo
Today · 4.125%
HK$63,674
baseline
▲ 0.50% · 4.625%
HK$67,030
+HK$3,356/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,348/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,162
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,189
−HK$2,059/mo
Today · 4.125%
HK$69,248
baseline
▲ 0.50% · 4.625%
HK$73,462
+HK$4,214/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,496/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,492
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,436
−HK$1,973/mo
Today · 4.125%
HK$76,409
baseline
▲ 0.50% · 4.625%
HK$80,436
+HK$4,027/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,818/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,022
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,387
−HK$2,403/mo
Today · 4.125%
HK$80,790
baseline
▲ 0.50% · 4.625%
HK$85,706
+HK$4,916/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,580/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,574
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,842
−HK$2,301/mo
Today · 4.125%
HK$89,143
baseline
▲ 0.50% · 4.625%
HK$93,842
+HK$4,699/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,286/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,743
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,783
−HK$3,089/mo
Today · 4.125%
HK$103,872
baseline
▲ 0.50% · 4.625%
HK$110,193
+HK$6,321/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,744/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,738
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,654
−HK$2,959/mo
Today · 4.125%
HK$114,613
baseline
▲ 0.50% · 4.625%
HK$120,654
+HK$6,041/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,226/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,090 · Scale 2, in force from 26 Feb 2026)