LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,825
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,499
−HK$1,701/mo
Today · 4.125%
HK$57,200
baseline
▲ 0.50% · 4.625%
HK$60,680
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,400/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,879
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,485
−HK$1,629/mo
Today · 4.125%
HK$63,114
baseline
▲ 0.50% · 4.625%
HK$66,441
+HK$3,327/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,228/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,590
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,599
−HK$2,041/mo
Today · 4.125%
HK$68,640
baseline
▲ 0.50% · 4.625%
HK$72,816
+HK$4,176/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,280/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,855
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,782
−HK$1,955/mo
Today · 4.125%
HK$75,737
baseline
▲ 0.50% · 4.625%
HK$79,730
+HK$3,993/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,474/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,354
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,698
−HK$2,382/mo
Today · 4.125%
HK$80,080
baseline
▲ 0.50% · 4.625%
HK$84,953
+HK$4,873/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,160/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,831
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,079
−HK$2,281/mo
Today · 4.125%
HK$88,360
baseline
▲ 0.50% · 4.625%
HK$93,018
+HK$4,658/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,720/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,884
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,898
−HK$3,062/mo
Today · 4.125%
HK$102,960
baseline
▲ 0.50% · 4.625%
HK$109,225
+HK$6,265/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,920/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,783
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,673
−HK$2,933/mo
Today · 4.125%
HK$113,606
baseline
▲ 0.50% · 4.625%
HK$119,594
+HK$5,988/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,212/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,197 · Scale 2, in force from 26 Feb 2026)