LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,303
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$55,993
−HK$1,716/mo
Today · 4.125%
HK$57,709
baseline
▲ 0.50% · 4.625%
HK$61,220
+HK$3,511/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,418/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,412
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,032
−HK$1,644/mo
Today · 4.125%
HK$63,676
baseline
▲ 0.50% · 4.625%
HK$67,032
+HK$3,356/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,352/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,164
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,191
−HK$2,059/mo
Today · 4.125%
HK$69,250
baseline
▲ 0.50% · 4.625%
HK$73,464
+HK$4,214/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,500/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,494
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,439
−HK$1,972/mo
Today · 4.125%
HK$76,411
baseline
▲ 0.50% · 4.625%
HK$80,439
+HK$4,028/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,822/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,025
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,390
−HK$2,402/mo
Today · 4.125%
HK$80,792
baseline
▲ 0.50% · 4.625%
HK$85,708
+HK$4,916/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,584/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,577
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$86,845
−HK$2,301/mo
Today · 4.125%
HK$89,146
baseline
▲ 0.50% · 4.625%
HK$93,845
+HK$4,699/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,292/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,746
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,787
−HK$3,089/mo
Today · 4.125%
HK$103,876
baseline
▲ 0.50% · 4.625%
HK$110,196
+HK$6,320/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,752/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,742
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,658
−HK$2,959/mo
Today · 4.125%
HK$114,617
baseline
▲ 0.50% · 4.625%
HK$120,658
+HK$6,041/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,234/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,122 · Scale 2, in force from 26 Feb 2026)