LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,832
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,506
−HK$1,701/mo
Today · 4.125%
HK$57,207
baseline
▲ 0.50% · 4.625%
HK$60,688
+HK$3,481/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,414/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,887
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,493
−HK$1,630/mo
Today · 4.125%
HK$63,123
baseline
▲ 0.50% · 4.625%
HK$66,450
+HK$3,327/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,246/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,598
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,607
−HK$2,042/mo
Today · 4.125%
HK$68,649
baseline
▲ 0.50% · 4.625%
HK$72,826
+HK$4,177/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$137,298/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,865
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,792
−HK$1,955/mo
Today · 4.125%
HK$75,747
baseline
▲ 0.50% · 4.625%
HK$79,740
+HK$3,993/mo
Deposit HK$9.44M · loan HK$14.16M · min. income ≈ HK$151,494/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,364
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,709
−HK$2,381/mo
Today · 4.125%
HK$80,090
baseline
▲ 0.50% · 4.625%
HK$84,964
+HK$4,874/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,180/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,842
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,091
−HK$2,281/mo
Today · 4.125%
HK$88,372
baseline
▲ 0.50% · 4.625%
HK$93,030
+HK$4,658/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,744/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,897
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,911
−HK$3,062/mo
Today · 4.125%
HK$102,973
baseline
▲ 0.50% · 4.625%
HK$109,239
+HK$6,266/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$205,946/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,797
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,688
−HK$2,933/mo
Today · 4.125%
HK$113,621
baseline
▲ 0.50% · 4.625%
HK$119,610
+HK$5,989/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,242/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,328 · Scale 2, in force from 26 Feb 2026)