LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,818
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,492
−HK$1,700/mo
Today · 4.125%
HK$57,192
baseline
▲ 0.50% · 4.625%
HK$60,672
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,384/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,871
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,477
−HK$1,629/mo
Today · 4.125%
HK$63,106
baseline
▲ 0.50% · 4.625%
HK$66,433
+HK$3,327/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,212/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,581
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,590
−HK$2,041/mo
Today · 4.125%
HK$68,631
baseline
▲ 0.50% · 4.625%
HK$72,807
+HK$4,176/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,262/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,846
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,773
−HK$1,954/mo
Today · 4.125%
HK$75,727
baseline
▲ 0.50% · 4.625%
HK$79,719
+HK$3,992/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,454/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,345
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,688
−HK$2,381/mo
Today · 4.125%
HK$80,069
baseline
▲ 0.50% · 4.625%
HK$84,941
+HK$4,872/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,138/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,820
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,068
−HK$2,281/mo
Today · 4.125%
HK$88,349
baseline
▲ 0.50% · 4.625%
HK$93,006
+HK$4,657/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,698/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,872
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,885
−HK$3,061/mo
Today · 4.125%
HK$102,946
baseline
▲ 0.50% · 4.625%
HK$109,210
+HK$6,264/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,892/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,769
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,659
−HK$2,932/mo
Today · 4.125%
HK$113,591
baseline
▲ 0.50% · 4.625%
HK$119,579
+HK$5,988/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,182/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,065 · Scale 2, in force from 26 Feb 2026)