LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,836
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,510
−HK$1,702/mo
Today · 4.125%
HK$57,212
baseline
▲ 0.50% · 4.625%
HK$60,693
+HK$3,481/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$114,424/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,892
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,498
−HK$1,629/mo
Today · 4.125%
HK$63,127
baseline
▲ 0.50% · 4.625%
HK$66,455
+HK$3,328/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,254/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,603
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,612
−HK$2,042/mo
Today · 4.125%
HK$68,654
baseline
▲ 0.50% · 4.625%
HK$72,832
+HK$4,178/mo
Deposit HK$9.44M · loan HK$14.17M · min. income ≈ HK$137,308/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,870
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,798
−HK$1,955/mo
Today · 4.125%
HK$75,753
baseline
▲ 0.50% · 4.625%
HK$79,746
+HK$3,993/mo
Deposit HK$9.44M · loan HK$14.17M · min. income ≈ HK$151,506/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,370
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,714
−HK$2,382/mo
Today · 4.125%
HK$80,096
baseline
▲ 0.50% · 4.625%
HK$84,970
+HK$4,874/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,192/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,848
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,097
−HK$2,281/mo
Today · 4.125%
HK$88,378
baseline
▲ 0.50% · 4.625%
HK$93,037
+HK$4,659/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,756/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,904
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,919
−HK$3,062/mo
Today · 4.125%
HK$102,981
baseline
▲ 0.50% · 4.625%
HK$109,247
+HK$6,266/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$205,962/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,805
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,696
−HK$2,933/mo
Today · 4.125%
HK$113,629
baseline
▲ 0.50% · 4.625%
HK$119,619
+HK$5,990/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,258/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,405 · Scale 2, in force from 26 Feb 2026)