LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,809
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,483
−HK$1,700/mo
Today · 4.125%
HK$57,183
baseline
▲ 0.50% · 4.625%
HK$60,663
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,366/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,862
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,467
−HK$1,629/mo
Today · 4.125%
HK$63,096
baseline
▲ 0.50% · 4.625%
HK$66,422
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,192/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,571
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,579
−HK$2,041/mo
Today · 4.125%
HK$68,620
baseline
▲ 0.50% · 4.625%
HK$72,795
+HK$4,175/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,240/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,834
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,761
−HK$1,954/mo
Today · 4.125%
HK$75,715
baseline
▲ 0.50% · 4.625%
HK$79,706
+HK$3,991/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,430/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,333
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,676
−HK$2,381/mo
Today · 4.125%
HK$80,057
baseline
▲ 0.50% · 4.625%
HK$84,928
+HK$4,871/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,114/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,807
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,054
−HK$2,281/mo
Today · 4.125%
HK$88,335
baseline
▲ 0.50% · 4.625%
HK$92,991
+HK$4,656/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,670/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,856
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,869
−HK$3,061/mo
Today · 4.125%
HK$102,930
baseline
▲ 0.50% · 4.625%
HK$109,193
+HK$6,263/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,860/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,752
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,641
−HK$2,932/mo
Today · 4.125%
HK$113,573
baseline
▲ 0.50% · 4.625%
HK$119,560
+HK$5,987/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,146/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,907 · Scale 2, in force from 26 Feb 2026)