LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,670
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,340
−HK$1,696/mo
Today · 4.125%
HK$57,036
baseline
▲ 0.50% · 4.625%
HK$60,506
+HK$3,470/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$114,072/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,708
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,309
−HK$1,624/mo
Today · 4.125%
HK$62,933
baseline
▲ 0.50% · 4.625%
HK$66,251
+HK$3,318/mo
Deposit HK$11.77M · loan HK$11.77M · min. income ≈ HK$125,866/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,000,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,404
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,408
−HK$2,035/mo
Today · 4.125%
HK$68,443
baseline
▲ 0.50% · 4.625%
HK$72,607
+HK$4,164/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$136,886/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,649
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,571
−HK$1,949/mo
Today · 4.125%
HK$75,520
baseline
▲ 0.50% · 4.625%
HK$79,501
+HK$3,981/mo
Deposit HK$9.41M · loan HK$14.12M · min. income ≈ HK$151,040/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,000,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,138
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,475
−HK$2,375/mo
Today · 4.125%
HK$79,850
baseline
▲ 0.50% · 4.625%
HK$84,709
+HK$4,859/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$159,700/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,591
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,832
−HK$2,275/mo
Today · 4.125%
HK$88,107
baseline
▲ 0.50% · 4.625%
HK$92,751
+HK$4,644/mo
Deposit HK$7.06M · loan HK$16.48M · min. income ≈ HK$176,214/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$1,000,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,606
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,611
−HK$3,053/mo
Today · 4.125%
HK$102,664
baseline
▲ 0.50% · 4.625%
HK$108,911
+HK$6,247/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$205,328/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,474
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,356
−HK$2,924/mo
Today · 4.125%
HK$113,280
baseline
▲ 0.50% · 4.625%
HK$119,251
+HK$5,971/mo
Deposit HK$2.35M · loan HK$21.18M · min. income ≈ HK$226,560/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$1,000,319 · Scale 2, in force from 26 Feb 2026)