LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,723
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,394
−HK$1,698/mo
Today · 4.125%
HK$57,092
baseline
▲ 0.50% · 4.625%
HK$60,566
+HK$3,474/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,184/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,766
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,369
−HK$1,626/mo
Today · 4.125%
HK$62,995
baseline
▲ 0.50% · 4.625%
HK$66,316
+HK$3,321/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$125,990/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,468
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,473
−HK$2,037/mo
Today · 4.125%
HK$68,510
baseline
▲ 0.50% · 4.625%
HK$72,679
+HK$4,169/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$137,020/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,720
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,643
−HK$1,951/mo
Today · 4.125%
HK$75,594
baseline
▲ 0.50% · 4.625%
HK$79,579
+HK$3,985/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$151,188/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,212
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$77,552
−HK$2,377/mo
Today · 4.125%
HK$79,929
baseline
▲ 0.50% · 4.625%
HK$84,792
+HK$4,863/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,858/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,673
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,917
−HK$2,276/mo
Today · 4.125%
HK$88,193
baseline
▲ 0.50% · 4.625%
HK$92,842
+HK$4,649/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,386/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,701
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,709
−HK$3,057/mo
Today · 4.125%
HK$102,766
baseline
▲ 0.50% · 4.625%
HK$109,019
+HK$6,253/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$205,532/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,579
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$110,465
−HK$2,927/mo
Today · 4.125%
HK$113,392
baseline
▲ 0.50% · 4.625%
HK$119,369
+HK$5,977/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$226,784/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,304 · Scale 2, in force from 26 Feb 2026)