LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,476
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,170
−HK$1,722/mo
Today · 4.125%
HK$57,892
baseline
▲ 0.50% · 4.625%
HK$61,415
+HK$3,523/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,784/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,604
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,229
−HK$1,649/mo
Today · 4.125%
HK$63,878
baseline
▲ 0.50% · 4.625%
HK$67,245
+HK$3,367/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,756/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,371
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,405
−HK$2,065/mo
Today · 4.125%
HK$69,470
baseline
▲ 0.50% · 4.625%
HK$73,698
+HK$4,228/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$138,940/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,725
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,675
−HK$1,979/mo
Today · 4.125%
HK$76,654
baseline
▲ 0.50% · 4.625%
HK$80,694
+HK$4,040/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$153,308/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,266
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,639
−HK$2,410/mo
Today · 4.125%
HK$81,049
baseline
▲ 0.50% · 4.625%
HK$85,980
+HK$4,931/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$162,098/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,845
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,121
−HK$2,308/mo
Today · 4.125%
HK$89,429
baseline
▲ 0.50% · 4.625%
HK$94,143
+HK$4,714/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,858/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,057
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,107
−HK$3,099/mo
Today · 4.125%
HK$104,206
baseline
▲ 0.50% · 4.625%
HK$110,546
+HK$6,340/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$208,412/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,087
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,013
−HK$2,968/mo
Today · 4.125%
HK$114,981
baseline
▲ 0.50% · 4.625%
HK$121,041
+HK$6,060/mo
Deposit HK$2.39M · loan HK$21.50M · min. income ≈ HK$229,962/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$1,015,336 · Scale 2, in force from 26 Feb 2026)