LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,476
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,171
−HK$1,721/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$1,015,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,604
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,230
−HK$1,648/mo
Today · 4.125%
HK$63,878
baseline
▲ 0.50% · 4.625%
HK$67,246
+HK$3,368/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$1,015,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,371
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,405
−HK$2,066/mo
Today · 4.125%
HK$69,471
baseline
▲ 0.50% · 4.625%
HK$73,698
+HK$4,227/mo
Deposit HK$9.56M · loan HK$14.33M · min. income ≈ HK$138,942/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,341 · 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$80,695
+HK$4,041/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$1,015,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,267
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,639
−HK$2,410/mo
Today · 4.125%
HK$81,049
baseline
▲ 0.50% · 4.625%
HK$85,981
+HK$4,932/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$1,015,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,846
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,121
−HK$2,309/mo
Today · 4.125%
HK$89,430
baseline
▲ 0.50% · 4.625%
HK$94,144
+HK$4,714/mo
Deposit HK$7.17M · loan HK$16.72M · min. income ≈ HK$178,860/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,341 · 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$110,547
+HK$6,341/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$1,015,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,088
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,013
−HK$2,968/mo
Today · 4.125%
HK$114,981
baseline
▲ 0.50% · 4.625%
HK$121,042
+HK$6,061/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$1,015,341 · Scale 2, in force from 26 Feb 2026)