LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,709
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,379
−HK$1,698/mo
Today · 4.125%
HK$57,077
baseline
▲ 0.50% · 4.625%
HK$60,550
+HK$3,473/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,154/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,750
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,353
−HK$1,625/mo
Today · 4.125%
HK$62,978
baseline
▲ 0.50% · 4.625%
HK$66,298
+HK$3,320/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$125,956/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,450
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,455
−HK$2,037/mo
Today · 4.125%
HK$68,492
baseline
▲ 0.50% · 4.625%
HK$72,660
+HK$4,168/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$136,984/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,001,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,700
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,623
−HK$1,951/mo
Today · 4.125%
HK$75,574
baseline
▲ 0.50% · 4.625%
HK$79,558
+HK$3,984/mo
Deposit HK$9.42M · loan HK$14.13M · min. income ≈ HK$151,148/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,001,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,192
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,531
−HK$2,376/mo
Today · 4.125%
HK$79,907
baseline
▲ 0.50% · 4.625%
HK$84,769
+HK$4,862/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,814/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,650
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,894
−HK$2,276/mo
Today · 4.125%
HK$88,170
baseline
▲ 0.50% · 4.625%
HK$92,817
+HK$4,647/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,340/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,676
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$99,683
−HK$3,055/mo
Today · 4.125%
HK$102,738
baseline
▲ 0.50% · 4.625%
HK$108,989
+HK$6,251/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$205,476/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,551
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$110,435
−HK$2,926/mo
Today · 4.125%
HK$113,361
baseline
▲ 0.50% · 4.625%
HK$119,337
+HK$5,976/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$226,722/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,036 · Scale 2, in force from 26 Feb 2026)