LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,820
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,494
−HK$1,701/mo
Today · 4.125%
HK$57,195
baseline
▲ 0.50% · 4.625%
HK$60,676
+HK$3,481/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,390/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,875
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,480
−HK$1,629/mo
Today · 4.125%
HK$63,109
baseline
▲ 0.50% · 4.625%
HK$66,436
+HK$3,327/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,218/mo (50% DSR)
Upfront cash ≈ HK$12.80M (deposit + AVD stamp duty HK$1,003,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,584
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,593
−HK$2,041/mo
Today · 4.125%
HK$68,634
baseline
▲ 0.50% · 4.625%
HK$72,811
+HK$4,177/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,268/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,849
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,776
−HK$1,955/mo
Today · 4.125%
HK$75,731
baseline
▲ 0.50% · 4.625%
HK$79,723
+HK$3,992/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,462/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,003,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,348
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,692
−HK$2,381/mo
Today · 4.125%
HK$80,073
baseline
▲ 0.50% · 4.625%
HK$84,946
+HK$4,873/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,146/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,824
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,073
−HK$2,280/mo
Today · 4.125%
HK$88,353
baseline
▲ 0.50% · 4.625%
HK$93,010
+HK$4,657/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,706/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,877
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,890
−HK$3,062/mo
Today · 4.125%
HK$102,952
baseline
▲ 0.50% · 4.625%
HK$109,216
+HK$6,264/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,904/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,774
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,665
−HK$2,932/mo
Today · 4.125%
HK$113,597
baseline
▲ 0.50% · 4.625%
HK$119,585
+HK$5,988/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,194/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,117 · Scale 2, in force from 26 Feb 2026)