LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,729
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,400
−HK$1,698/mo
Today · 4.125%
HK$57,098
baseline
▲ 0.50% · 4.625%
HK$60,573
+HK$3,475/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,196/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,773
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,376
−HK$1,626/mo
Today · 4.125%
HK$63,002
baseline
▲ 0.50% · 4.625%
HK$66,323
+HK$3,321/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$126,004/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,001,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,475
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,480
−HK$2,038/mo
Today · 4.125%
HK$68,518
baseline
▲ 0.50% · 4.625%
HK$72,687
+HK$4,169/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,036/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,728
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,651
−HK$1,952/mo
Today · 4.125%
HK$75,603
baseline
▲ 0.50% · 4.625%
HK$79,588
+HK$3,985/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,206/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,221
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$77,560
−HK$2,378/mo
Today · 4.125%
HK$79,938
baseline
▲ 0.50% · 4.625%
HK$84,802
+HK$4,864/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$159,876/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,682
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,926
−HK$2,277/mo
Today · 4.125%
HK$88,203
baseline
▲ 0.50% · 4.625%
HK$92,853
+HK$4,650/mo
Deposit HK$7.07M · loan HK$16.49M · min. income ≈ HK$176,406/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,712
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,720
−HK$3,057/mo
Today · 4.125%
HK$102,777
baseline
▲ 0.50% · 4.625%
HK$109,031
+HK$6,254/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,554/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,591
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$110,477
−HK$2,927/mo
Today · 4.125%
HK$113,404
baseline
▲ 0.50% · 4.625%
HK$119,382
+HK$5,978/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,808/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,415 · Scale 2, in force from 26 Feb 2026)