LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,460
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,154
−HK$1,721/mo
Today · 4.125%
HK$57,875
baseline
▲ 0.50% · 4.625%
HK$61,397
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,750/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,586
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,211
−HK$1,649/mo
Today · 4.125%
HK$63,860
baseline
▲ 0.50% · 4.625%
HK$67,226
+HK$3,366/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,720/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,352
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,385
−HK$2,065/mo
Today · 4.125%
HK$69,450
baseline
▲ 0.50% · 4.625%
HK$73,676
+HK$4,226/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$138,900/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,703
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,653
−HK$1,978/mo
Today · 4.125%
HK$76,631
baseline
▲ 0.50% · 4.625%
HK$80,671
+HK$4,040/mo
Deposit HK$9.55M · loan HK$14.33M · min. income ≈ HK$153,262/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,244
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$78,616
−HK$2,409/mo
Today · 4.125%
HK$81,025
baseline
▲ 0.50% · 4.625%
HK$85,955
+HK$4,930/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$162,050/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,821
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$87,096
−HK$2,307/mo
Today · 4.125%
HK$89,403
baseline
▲ 0.50% · 4.625%
HK$94,116
+HK$4,713/mo
Deposit HK$7.16M · loan HK$16.72M · min. income ≈ HK$178,806/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,028
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,077
−HK$3,098/mo
Today · 4.125%
HK$104,175
baseline
▲ 0.50% · 4.625%
HK$110,514
+HK$6,339/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$208,350/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,055
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,980
−HK$2,967/mo
Today · 4.125%
HK$114,947
baseline
▲ 0.50% · 4.625%
HK$121,006
+HK$6,059/mo
Deposit HK$2.39M · loan HK$21.49M · min. income ≈ HK$229,894/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,040 · Scale 2, in force from 26 Feb 2026)