LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,378
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,069
−HK$1,719/mo
Today · 4.125%
HK$57,788
baseline
▲ 0.50% · 4.625%
HK$61,304
+HK$3,516/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$115,576/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,495
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,117
−HK$1,646/mo
Today · 4.125%
HK$63,763
baseline
▲ 0.50% · 4.625%
HK$67,124
+HK$3,361/mo
Deposit HK$11.92M · loan HK$11.92M · min. income ≈ HK$127,526/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,253
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,283
−HK$2,062/mo
Today · 4.125%
HK$69,345
baseline
▲ 0.50% · 4.625%
HK$73,565
+HK$4,220/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,690/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,593
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,540
−HK$1,975/mo
Today · 4.125%
HK$76,515
baseline
▲ 0.50% · 4.625%
HK$80,549
+HK$4,034/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,030/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,013,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,129
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,497
−HK$2,406/mo
Today · 4.125%
HK$80,903
baseline
▲ 0.50% · 4.625%
HK$85,825
+HK$4,922/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$161,806/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,692
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,964
−HK$2,304/mo
Today · 4.125%
HK$89,268
baseline
▲ 0.50% · 4.625%
HK$93,973
+HK$4,705/mo
Deposit HK$7.15M · loan HK$16.69M · min. income ≈ HK$178,536/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,880
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$100,924
−HK$3,094/mo
Today · 4.125%
HK$104,018
baseline
▲ 0.50% · 4.625%
HK$110,347
+HK$6,329/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$208,036/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,890
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$111,811
−HK$2,962/mo
Today · 4.125%
HK$114,773
baseline
▲ 0.50% · 4.625%
HK$120,823
+HK$6,050/mo
Deposit HK$2.38M · loan HK$21.46M · min. income ≈ HK$229,546/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,504 · Scale 2, in force from 26 Feb 2026)