LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,342
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,033
−HK$1,717/mo
Today · 4.125%
HK$57,750
baseline
▲ 0.50% · 4.625%
HK$61,264
+HK$3,514/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,500/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,455
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,077
−HK$1,644/mo
Today · 4.125%
HK$63,721
baseline
▲ 0.50% · 4.625%
HK$67,080
+HK$3,359/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,442/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,012,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,211
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,239
−HK$2,061/mo
Today · 4.125%
HK$69,300
baseline
▲ 0.50% · 4.625%
HK$73,517
+HK$4,217/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,600/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,012,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,546
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,492
−HK$1,974/mo
Today · 4.125%
HK$76,466
baseline
▲ 0.50% · 4.625%
HK$80,496
+HK$4,030/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,932/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,012,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,079
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,446
−HK$2,404/mo
Today · 4.125%
HK$80,850
baseline
▲ 0.50% · 4.625%
HK$85,769
+HK$4,919/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$161,700/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,637
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,907
−HK$2,303/mo
Today · 4.125%
HK$89,210
baseline
▲ 0.50% · 4.625%
HK$93,912
+HK$4,702/mo
Deposit HK$7.15M · loan HK$16.68M · min. income ≈ HK$178,420/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,816
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,859
−HK$3,091/mo
Today · 4.125%
HK$103,950
baseline
▲ 0.50% · 4.625%
HK$110,275
+HK$6,325/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,900/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,819
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,738
−HK$2,960/mo
Today · 4.125%
HK$114,698
baseline
▲ 0.50% · 4.625%
HK$120,744
+HK$6,046/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,396/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,012,845 · Scale 2, in force from 26 Feb 2026)