LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,811
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,485
−HK$1,701/mo
Today · 4.125%
HK$57,186
baseline
▲ 0.50% · 4.625%
HK$60,665
+HK$3,479/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,372/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,864
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,470
−HK$1,629/mo
Today · 4.125%
HK$63,099
baseline
▲ 0.50% · 4.625%
HK$66,425
+HK$3,326/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,198/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,002,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,573
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,582
−HK$2,041/mo
Today · 4.125%
HK$68,623
baseline
▲ 0.50% · 4.625%
HK$72,798
+HK$4,175/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,246/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,837
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,764
−HK$1,954/mo
Today · 4.125%
HK$75,718
baseline
▲ 0.50% · 4.625%
HK$79,710
+HK$3,992/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,436/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,002,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,336
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,679
−HK$2,381/mo
Today · 4.125%
HK$80,060
baseline
▲ 0.50% · 4.625%
HK$84,931
+HK$4,871/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,120/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,810
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,058
−HK$2,280/mo
Today · 4.125%
HK$88,338
baseline
▲ 0.50% · 4.625%
HK$92,994
+HK$4,656/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,676/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,002,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,860
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,873
−HK$3,061/mo
Today · 4.125%
HK$102,934
baseline
▲ 0.50% · 4.625%
HK$109,197
+HK$6,263/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,868/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,756
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,646
−HK$2,931/mo
Today · 4.125%
HK$113,577
baseline
▲ 0.50% · 4.625%
HK$119,564
+HK$5,987/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,154/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,002,946 · Scale 2, in force from 26 Feb 2026)