LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,336
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,026
−HK$1,717/mo
Today · 4.125%
HK$57,743
baseline
▲ 0.50% · 4.625%
HK$61,257
+HK$3,514/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,486/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,448
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,069
−HK$1,645/mo
Today · 4.125%
HK$63,714
baseline
▲ 0.50% · 4.625%
HK$67,072
+HK$3,358/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,428/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,203
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,231
−HK$2,061/mo
Today · 4.125%
HK$69,292
baseline
▲ 0.50% · 4.625%
HK$73,508
+HK$4,216/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,584/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,538
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,483
−HK$1,974/mo
Today · 4.125%
HK$76,457
baseline
▲ 0.50% · 4.625%
HK$80,487
+HK$4,030/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,914/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,070
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,436
−HK$2,404/mo
Today · 4.125%
HK$80,840
baseline
▲ 0.50% · 4.625%
HK$85,759
+HK$4,919/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,680/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,627
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,897
−HK$2,302/mo
Today · 4.125%
HK$89,199
baseline
▲ 0.50% · 4.625%
HK$93,901
+HK$4,702/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,398/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,805
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,847
−HK$3,091/mo
Today · 4.125%
HK$103,938
baseline
▲ 0.50% · 4.625%
HK$110,262
+HK$6,324/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,876/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,807
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,725
−HK$2,960/mo
Today · 4.125%
HK$114,685
baseline
▲ 0.50% · 4.625%
HK$120,730
+HK$6,045/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,370/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,726 · Scale 2, in force from 26 Feb 2026)