LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,355
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,046
−HK$1,718/mo
Today · 4.125%
HK$57,764
baseline
▲ 0.50% · 4.625%
HK$61,278
+HK$3,514/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,528/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,469
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,091
−HK$1,645/mo
Today · 4.125%
HK$63,736
baseline
▲ 0.50% · 4.625%
HK$67,096
+HK$3,360/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,472/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,013,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,226
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,255
−HK$2,061/mo
Today · 4.125%
HK$69,316
baseline
▲ 0.50% · 4.625%
HK$73,534
+HK$4,218/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$138,632/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,563
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,509
−HK$1,975/mo
Today · 4.125%
HK$76,484
baseline
▲ 0.50% · 4.625%
HK$80,515
+HK$4,031/mo
Deposit HK$9.53M · loan HK$14.30M · min. income ≈ HK$152,968/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,097
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,464
−HK$2,405/mo
Today · 4.125%
HK$80,869
baseline
▲ 0.50% · 4.625%
HK$85,790
+HK$4,921/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,738/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,013,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,657
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,928
−HK$2,303/mo
Today · 4.125%
HK$89,231
baseline
▲ 0.50% · 4.625%
HK$93,934
+HK$4,703/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,462/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,013,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,839
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,882
−HK$3,092/mo
Today · 4.125%
HK$103,974
baseline
▲ 0.50% · 4.625%
HK$110,301
+HK$6,327/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$207,948/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,845
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,764
−HK$2,961/mo
Today · 4.125%
HK$114,725
baseline
▲ 0.50% · 4.625%
HK$120,773
+HK$6,048/mo
Deposit HK$2.38M · loan HK$21.45M · min. income ≈ HK$229,450/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,083 · Scale 2, in force from 26 Feb 2026)