LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,742
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,414
−HK$1,698/mo
Today · 4.125%
HK$57,112
baseline
▲ 0.50% · 4.625%
HK$60,588
+HK$3,476/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$114,224/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,788
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,391
−HK$1,627/mo
Today · 4.125%
HK$63,018
baseline
▲ 0.50% · 4.625%
HK$66,340
+HK$3,322/mo
Deposit HK$11.78M · loan HK$11.78M · min. income ≈ HK$126,036/mo (50% DSR)
Upfront cash ≈ HK$12.79M (deposit + AVD stamp duty HK$1,001,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,491
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,497
−HK$2,038/mo
Today · 4.125%
HK$68,535
baseline
▲ 0.50% · 4.625%
HK$72,705
+HK$4,170/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$137,070/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,745
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,670
−HK$1,952/mo
Today · 4.125%
HK$75,622
baseline
▲ 0.50% · 4.625%
HK$79,608
+HK$3,986/mo
Deposit HK$9.43M · loan HK$14.14M · min. income ≈ HK$151,244/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,001,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,239
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$77,580
−HK$2,377/mo
Today · 4.125%
HK$79,957
baseline
▲ 0.50% · 4.625%
HK$84,823
+HK$4,866/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$159,914/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,703
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$85,948
−HK$2,277/mo
Today · 4.125%
HK$88,225
baseline
▲ 0.50% · 4.625%
HK$92,876
+HK$4,651/mo
Deposit HK$7.07M · loan HK$16.50M · min. income ≈ HK$176,450/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$1,001,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,736
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,745
−HK$3,057/mo
Today · 4.125%
HK$102,802
baseline
▲ 0.50% · 4.625%
HK$109,058
+HK$6,256/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$205,604/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,618
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,504
−HK$2,928/mo
Today · 4.125%
HK$113,432
baseline
▲ 0.50% · 4.625%
HK$119,411
+HK$5,979/mo
Deposit HK$2.36M · loan HK$21.21M · min. income ≈ HK$226,864/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,001,663 · Scale 2, in force from 26 Feb 2026)