LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,353
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,044
−HK$1,718/mo
Today · 4.125%
HK$57,762
baseline
▲ 0.50% · 4.625%
HK$61,277
+HK$3,515/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,524/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,468
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,089
−HK$1,646/mo
Today · 4.125%
HK$63,735
baseline
▲ 0.50% · 4.625%
HK$67,094
+HK$3,359/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,470/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,224
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,253
−HK$2,061/mo
Today · 4.125%
HK$69,314
baseline
▲ 0.50% · 4.625%
HK$73,532
+HK$4,218/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,628/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,561
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,507
−HK$1,974/mo
Today · 4.125%
HK$76,481
baseline
▲ 0.50% · 4.625%
HK$80,513
+HK$4,032/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,962/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,095
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,462
−HK$2,405/mo
Today · 4.125%
HK$80,867
baseline
▲ 0.50% · 4.625%
HK$85,787
+HK$4,920/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,734/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,013,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,655
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,925
−HK$2,303/mo
Today · 4.125%
HK$89,228
baseline
▲ 0.50% · 4.625%
HK$93,932
+HK$4,704/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,456/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,013,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,836
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,880
−HK$3,091/mo
Today · 4.125%
HK$103,971
baseline
▲ 0.50% · 4.625%
HK$110,298
+HK$6,327/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,942/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,842
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,761
−HK$2,961/mo
Today · 4.125%
HK$114,722
baseline
▲ 0.50% · 4.625%
HK$120,769
+HK$6,047/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,444/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,054 · Scale 2, in force from 26 Feb 2026)