LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,725
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,396
−HK$1,698/mo
Today · 4.125%
HK$57,094
baseline
▲ 0.50% · 4.625%
HK$60,568
+HK$3,474/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,188/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,769
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,372
−HK$1,626/mo
Today · 4.125%
HK$62,998
baseline
▲ 0.50% · 4.625%
HK$66,319
+HK$3,321/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$125,996/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,470
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,476
−HK$2,037/mo
Today · 4.125%
HK$68,513
baseline
▲ 0.50% · 4.625%
HK$72,682
+HK$4,169/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$137,026/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,723
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,646
−HK$1,951/mo
Today · 4.125%
HK$75,597
baseline
▲ 0.50% · 4.625%
HK$79,582
+HK$3,985/mo
Deposit HK$9.42M · loan HK$14.14M · min. income ≈ HK$151,194/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,215
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$77,555
−HK$2,377/mo
Today · 4.125%
HK$79,932
baseline
▲ 0.50% · 4.625%
HK$84,796
+HK$4,864/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,864/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,676
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,920
−HK$2,277/mo
Today · 4.125%
HK$88,197
baseline
▲ 0.50% · 4.625%
HK$92,846
+HK$4,649/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,394/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,705
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,714
−HK$3,056/mo
Today · 4.125%
HK$102,770
baseline
▲ 0.50% · 4.625%
HK$109,023
+HK$6,253/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$205,540/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,584
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,469
−HK$2,927/mo
Today · 4.125%
HK$113,396
baseline
▲ 0.50% · 4.625%
HK$119,373
+HK$5,977/mo
Deposit HK$2.36M · loan HK$21.20M · min. income ≈ HK$226,792/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,345 · Scale 2, in force from 26 Feb 2026)