LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,472
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,166
−HK$1,722/mo
Today · 4.125%
HK$57,888
baseline
▲ 0.50% · 4.625%
HK$61,410
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,776/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,599
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,225
−HK$1,648/mo
Today · 4.125%
HK$63,873
baseline
▲ 0.50% · 4.625%
HK$67,240
+HK$3,367/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,746/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,366
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,400
−HK$2,065/mo
Today · 4.125%
HK$69,465
baseline
▲ 0.50% · 4.625%
HK$73,692
+HK$4,227/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$138,930/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,719
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,670
−HK$1,978/mo
Today · 4.125%
HK$76,648
baseline
▲ 0.50% · 4.625%
HK$80,688
+HK$4,040/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$153,296/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,261
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,633
−HK$2,410/mo
Today · 4.125%
HK$81,043
baseline
▲ 0.50% · 4.625%
HK$85,974
+HK$4,931/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,086/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,839
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,115
−HK$2,308/mo
Today · 4.125%
HK$89,423
baseline
▲ 0.50% · 4.625%
HK$94,136
+HK$4,713/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,846/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,049
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,099
−HK$3,099/mo
Today · 4.125%
HK$104,198
baseline
▲ 0.50% · 4.625%
HK$110,538
+HK$6,340/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,396/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,079
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,004
−HK$2,968/mo
Today · 4.125%
HK$114,972
baseline
▲ 0.50% · 4.625%
HK$121,032
+HK$6,060/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,944/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,261 · Scale 2, in force from 26 Feb 2026)