LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,802
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,475
−HK$1,701/mo
Today · 4.125%
HK$57,176
baseline
▲ 0.50% · 4.625%
HK$60,654
+HK$3,478/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,352/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,854
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,459
−HK$1,629/mo
Today · 4.125%
HK$63,088
baseline
▲ 0.50% · 4.625%
HK$66,413
+HK$3,325/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,176/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,562
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,570
−HK$2,041/mo
Today · 4.125%
HK$68,611
baseline
▲ 0.50% · 4.625%
HK$72,785
+HK$4,174/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,222/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,825
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,751
−HK$1,954/mo
Today · 4.125%
HK$75,705
baseline
▲ 0.50% · 4.625%
HK$79,696
+HK$3,991/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,410/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,322
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,665
−HK$2,381/mo
Today · 4.125%
HK$80,046
baseline
▲ 0.50% · 4.625%
HK$84,916
+HK$4,870/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,092/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,795
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,043
−HK$2,280/mo
Today · 4.125%
HK$88,323
baseline
▲ 0.50% · 4.625%
HK$92,978
+HK$4,655/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,646/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,843
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,855
−HK$3,061/mo
Today · 4.125%
HK$102,916
baseline
▲ 0.50% · 4.625%
HK$109,178
+HK$6,262/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,832/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,737
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,626
−HK$2,932/mo
Today · 4.125%
HK$113,558
baseline
▲ 0.50% · 4.625%
HK$119,543
+HK$5,985/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,116/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,770 · Scale 2, in force from 26 Feb 2026)