LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,836
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,511
−HK$1,701/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$1,003,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,892
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,499
−HK$1,629/mo
Today · 4.125%
HK$63,128
baseline
▲ 0.50% · 4.625%
HK$66,456
+HK$3,328/mo
Deposit HK$11.80M · loan HK$11.80M · min. income ≈ HK$126,256/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,603
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,613
−HK$2,042/mo
Today · 4.125%
HK$68,655
baseline
▲ 0.50% · 4.625%
HK$72,832
+HK$4,177/mo
Deposit HK$9.44M · loan HK$14.17M · min. income ≈ HK$137,310/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,871
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,798
−HK$1,956/mo
Today · 4.125%
HK$75,754
baseline
▲ 0.50% · 4.625%
HK$79,747
+HK$3,993/mo
Deposit HK$9.44M · loan HK$14.17M · min. income ≈ HK$151,508/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,371
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,715
−HK$2,382/mo
Today · 4.125%
HK$80,097
baseline
▲ 0.50% · 4.625%
HK$84,971
+HK$4,874/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,194/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,849
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,098
−HK$2,281/mo
Today · 4.125%
HK$88,379
baseline
▲ 0.50% · 4.625%
HK$93,038
+HK$4,659/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,758/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,905
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,920
−HK$3,062/mo
Today · 4.125%
HK$102,982
baseline
▲ 0.50% · 4.625%
HK$109,248
+HK$6,266/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$205,964/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,806
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,697
−HK$2,934/mo
Today · 4.125%
HK$113,631
baseline
▲ 0.50% · 4.625%
HK$119,620
+HK$5,989/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,262/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$1,003,414 · Scale 2, in force from 26 Feb 2026)