LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,741
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,413
−HK$1,698/mo
Today · 4.125%
HK$57,111
baseline
▲ 0.50% · 4.625%
HK$60,586
+HK$3,475/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,222/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,787
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,390
−HK$1,627/mo
Today · 4.125%
HK$63,017
baseline
▲ 0.50% · 4.625%
HK$66,338
+HK$3,321/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$126,034/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,490
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,495
−HK$2,039/mo
Today · 4.125%
HK$68,534
baseline
▲ 0.50% · 4.625%
HK$72,704
+HK$4,170/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,068/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,744
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,668
−HK$1,952/mo
Today · 4.125%
HK$75,620
baseline
▲ 0.50% · 4.625%
HK$79,606
+HK$3,986/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,240/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,238
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,578
−HK$2,378/mo
Today · 4.125%
HK$79,956
baseline
▲ 0.50% · 4.625%
HK$84,821
+HK$4,865/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,912/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,701
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,946
−HK$2,277/mo
Today · 4.125%
HK$88,223
baseline
▲ 0.50% · 4.625%
HK$92,874
+HK$4,651/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,446/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,734
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,743
−HK$3,057/mo
Today · 4.125%
HK$102,800
baseline
▲ 0.50% · 4.625%
HK$109,055
+HK$6,255/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,600/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,616
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,502
−HK$2,928/mo
Today · 4.125%
HK$113,430
baseline
▲ 0.50% · 4.625%
HK$119,409
+HK$5,979/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,860/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,644 · Scale 2, in force from 26 Feb 2026)