LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,398
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,090
−HK$1,720/mo
Today · 4.125%
HK$57,810
baseline
▲ 0.50% · 4.625%
HK$61,327
+HK$3,517/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$115,620/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,518
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,141
−HK$1,646/mo
Today · 4.125%
HK$63,787
baseline
▲ 0.50% · 4.625%
HK$67,150
+HK$3,363/mo
Deposit HK$11.93M · loan HK$11.93M · min. income ≈ HK$127,574/mo (50% DSR)
Upfront cash ≈ HK$12.94M (deposit + AVD stamp duty HK$1,013,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,278
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,309
−HK$2,063/mo
Today · 4.125%
HK$69,372
baseline
▲ 0.50% · 4.625%
HK$73,593
+HK$4,221/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$138,744/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,621
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,569
−HK$1,976/mo
Today · 4.125%
HK$76,545
baseline
▲ 0.50% · 4.625%
HK$80,579
+HK$4,034/mo
Deposit HK$9.54M · loan HK$14.31M · min. income ≈ HK$153,090/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,013,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,158
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,527
−HK$2,406/mo
Today · 4.125%
HK$80,933
baseline
▲ 0.50% · 4.625%
HK$85,858
+HK$4,925/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$161,866/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,725
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,997
−HK$2,305/mo
Today · 4.125%
HK$89,302
baseline
▲ 0.50% · 4.625%
HK$94,009
+HK$4,707/mo
Deposit HK$7.16M · loan HK$16.70M · min. income ≈ HK$178,604/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$1,013,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,917
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,963
−HK$3,094/mo
Today · 4.125%
HK$104,057
baseline
▲ 0.50% · 4.625%
HK$110,389
+HK$6,332/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$208,114/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,932
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,853
−HK$2,964/mo
Today · 4.125%
HK$114,817
baseline
▲ 0.50% · 4.625%
HK$120,869
+HK$6,052/mo
Deposit HK$2.39M · loan HK$21.47M · min. income ≈ HK$229,634/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,013,891 · Scale 2, in force from 26 Feb 2026)