LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,807
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,481
−HK$1,700/mo
Today · 4.125%
HK$57,181
baseline
▲ 0.50% · 4.625%
HK$60,661
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,362/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,860
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,465
−HK$1,629/mo
Today · 4.125%
HK$63,094
baseline
▲ 0.50% · 4.625%
HK$66,420
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,188/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,569
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,577
−HK$2,041/mo
Today · 4.125%
HK$68,618
baseline
▲ 0.50% · 4.625%
HK$72,793
+HK$4,175/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,236/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,832
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,758
−HK$1,955/mo
Today · 4.125%
HK$75,713
baseline
▲ 0.50% · 4.625%
HK$79,704
+HK$3,991/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,426/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,330
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,673
−HK$2,381/mo
Today · 4.125%
HK$80,054
baseline
▲ 0.50% · 4.625%
HK$84,925
+HK$4,871/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,108/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,804
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,051
−HK$2,281/mo
Today · 4.125%
HK$88,332
baseline
▲ 0.50% · 4.625%
HK$92,988
+HK$4,656/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,664/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,853
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,866
−HK$3,060/mo
Today · 4.125%
HK$102,926
baseline
▲ 0.50% · 4.625%
HK$109,189
+HK$6,263/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,852/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,748
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,638
−HK$2,931/mo
Today · 4.125%
HK$113,569
baseline
▲ 0.50% · 4.625%
HK$119,555
+HK$5,986/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,138/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,872 · Scale 2, in force from 26 Feb 2026)