LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,825
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,500
−HK$1,701/mo
Today · 4.125%
HK$57,201
baseline
▲ 0.50% · 4.625%
HK$60,681
+HK$3,480/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,402/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,880
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,486
−HK$1,629/mo
Today · 4.125%
HK$63,115
baseline
▲ 0.50% · 4.625%
HK$66,442
+HK$3,327/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,230/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,590
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,600
−HK$2,041/mo
Today · 4.125%
HK$68,641
baseline
▲ 0.50% · 4.625%
HK$72,817
+HK$4,176/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,282/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,856
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,783
−HK$1,955/mo
Today · 4.125%
HK$75,738
baseline
▲ 0.50% · 4.625%
HK$79,731
+HK$3,993/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,476/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,356
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,700
−HK$2,381/mo
Today · 4.125%
HK$80,081
baseline
▲ 0.50% · 4.625%
HK$84,954
+HK$4,873/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$160,162/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,832
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,081
−HK$2,280/mo
Today · 4.125%
HK$88,361
baseline
▲ 0.50% · 4.625%
HK$93,019
+HK$4,658/mo
Deposit HK$7.08M · loan HK$16.52M · min. income ≈ HK$176,722/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$1,003,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,886
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,899
−HK$3,062/mo
Today · 4.125%
HK$102,961
baseline
▲ 0.50% · 4.625%
HK$109,226
+HK$6,265/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$205,922/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,784
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,675
−HK$2,933/mo
Today · 4.125%
HK$113,608
baseline
▲ 0.50% · 4.625%
HK$119,596
+HK$5,988/mo
Deposit HK$2.36M · loan HK$21.24M · min. income ≈ HK$227,216/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,212 · Scale 2, in force from 26 Feb 2026)