LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,473
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,167
−HK$1,722/mo
Today · 4.125%
HK$57,889
baseline
▲ 0.50% · 4.625%
HK$61,411
+HK$3,522/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$115,778/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,601
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,226
−HK$1,649/mo
Today · 4.125%
HK$63,875
baseline
▲ 0.50% · 4.625%
HK$67,242
+HK$3,367/mo
Deposit HK$11.94M · loan HK$11.94M · min. income ≈ HK$127,750/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,368
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,401
−HK$2,066/mo
Today · 4.125%
HK$69,467
baseline
▲ 0.50% · 4.625%
HK$73,694
+HK$4,227/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$138,934/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,721
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,671
−HK$1,979/mo
Today · 4.125%
HK$76,650
baseline
▲ 0.50% · 4.625%
HK$80,690
+HK$4,040/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$153,300/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,262
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,634
−HK$2,411/mo
Today · 4.125%
HK$81,045
baseline
▲ 0.50% · 4.625%
HK$85,976
+HK$4,931/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,090/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,841
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,116
−HK$2,309/mo
Today · 4.125%
HK$89,425
baseline
▲ 0.50% · 4.625%
HK$94,138
+HK$4,713/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,850/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,051
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,101
−HK$3,099/mo
Today · 4.125%
HK$104,200
baseline
▲ 0.50% · 4.625%
HK$110,540
+HK$6,340/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,400/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,081
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,007
−HK$2,968/mo
Today · 4.125%
HK$114,975
baseline
▲ 0.50% · 4.625%
HK$121,035
+HK$6,060/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,950/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,283 · Scale 2, in force from 26 Feb 2026)