LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,318
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,007
−HK$1,717/mo
Today · 4.125%
HK$57,724
baseline
▲ 0.50% · 4.625%
HK$61,236
+HK$3,512/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,448/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,428
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,049
−HK$1,644/mo
Today · 4.125%
HK$63,693
baseline
▲ 0.50% · 4.625%
HK$67,050
+HK$3,357/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,386/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,181
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,209
−HK$2,060/mo
Today · 4.125%
HK$69,269
baseline
▲ 0.50% · 4.625%
HK$73,484
+HK$4,215/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,538/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,514
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,458
−HK$1,973/mo
Today · 4.125%
HK$76,431
baseline
▲ 0.50% · 4.625%
HK$80,460
+HK$4,029/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,862/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,045
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,410
−HK$2,404/mo
Today · 4.125%
HK$80,814
baseline
▲ 0.50% · 4.625%
HK$85,731
+HK$4,917/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$161,628/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,599
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,868
−HK$2,302/mo
Today · 4.125%
HK$89,170
baseline
▲ 0.50% · 4.625%
HK$93,870
+HK$4,700/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$178,340/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,772
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,813
−HK$3,090/mo
Today · 4.125%
HK$103,903
baseline
▲ 0.50% · 4.625%
HK$110,226
+HK$6,323/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,806/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,770
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,688
−HK$2,959/mo
Today · 4.125%
HK$114,647
baseline
▲ 0.50% · 4.625%
HK$120,690
+HK$6,043/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,294/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,390 · Scale 2, in force from 26 Feb 2026)