LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,304
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$55,994
−HK$1,716/mo
Today · 4.125%
HK$57,710
baseline
▲ 0.50% · 4.625%
HK$61,221
+HK$3,511/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,420/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,413
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,033
−HK$1,644/mo
Today · 4.125%
HK$63,677
baseline
▲ 0.50% · 4.625%
HK$67,034
+HK$3,357/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,354/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,165
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,192
−HK$2,060/mo
Today · 4.125%
HK$69,252
baseline
▲ 0.50% · 4.625%
HK$73,466
+HK$4,214/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,504/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,496
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,440
−HK$1,972/mo
Today · 4.125%
HK$76,412
baseline
▲ 0.50% · 4.625%
HK$80,440
+HK$4,028/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,824/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,026
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,391
−HK$2,403/mo
Today · 4.125%
HK$80,794
baseline
▲ 0.50% · 4.625%
HK$85,710
+HK$4,916/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$161,588/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,578
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,847
−HK$2,301/mo
Today · 4.125%
HK$89,148
baseline
▲ 0.50% · 4.625%
HK$93,847
+HK$4,699/mo
Deposit HK$7.14M · loan HK$16.67M · min. income ≈ HK$178,296/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,748
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,788
−HK$3,090/mo
Today · 4.125%
HK$103,878
baseline
▲ 0.50% · 4.625%
HK$110,198
+HK$6,320/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$207,756/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,744
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,660
−HK$2,959/mo
Today · 4.125%
HK$114,619
baseline
▲ 0.50% · 4.625%
HK$120,660
+HK$6,041/mo
Deposit HK$2.38M · loan HK$21.43M · min. income ≈ HK$229,238/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,140 · Scale 2, in force from 26 Feb 2026)