LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,490
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,185
−HK$1,722/mo
Today · 4.125%
HK$57,907
baseline
▲ 0.50% · 4.625%
HK$61,430
+HK$3,523/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$115,814/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,619
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,245
−HK$1,649/mo
Today · 4.125%
HK$63,894
baseline
▲ 0.50% · 4.625%
HK$67,262
+HK$3,368/mo
Deposit HK$11.95M · loan HK$11.95M · min. income ≈ HK$127,788/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,015,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,388
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,421
−HK$2,067/mo
Today · 4.125%
HK$69,488
baseline
▲ 0.50% · 4.625%
HK$73,716
+HK$4,228/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$138,976/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,743
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,694
−HK$1,979/mo
Today · 4.125%
HK$76,673
baseline
▲ 0.50% · 4.625%
HK$80,715
+HK$4,042/mo
Deposit HK$9.56M · loan HK$14.34M · min. income ≈ HK$153,346/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,015,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,285
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,658
−HK$2,411/mo
Today · 4.125%
HK$81,069
baseline
▲ 0.50% · 4.625%
HK$86,002
+HK$4,933/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$162,138/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,867
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,143
−HK$2,309/mo
Today · 4.125%
HK$89,452
baseline
▲ 0.50% · 4.625%
HK$94,167
+HK$4,715/mo
Deposit HK$7.17M · loan HK$16.73M · min. income ≈ HK$178,904/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$1,015,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,081
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$101,132
−HK$3,100/mo
Today · 4.125%
HK$104,232
baseline
▲ 0.50% · 4.625%
HK$110,574
+HK$6,342/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$208,464/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,114
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,041
−HK$2,969/mo
Today · 4.125%
HK$115,010
baseline
▲ 0.50% · 4.625%
HK$121,072
+HK$6,062/mo
Deposit HK$2.39M · loan HK$21.51M · min. income ≈ HK$230,020/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,015,591 · Scale 2, in force from 26 Feb 2026)