LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,848
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,523
−HK$1,702/mo
Today · 4.125%
HK$57,225
baseline
▲ 0.50% · 4.625%
HK$60,707
+HK$3,482/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,450/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,905
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,512
−HK$1,630/mo
Today · 4.125%
HK$63,142
baseline
▲ 0.50% · 4.625%
HK$66,470
+HK$3,328/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,284/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,617
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,627
−HK$2,043/mo
Today · 4.125%
HK$68,670
baseline
▲ 0.50% · 4.625%
HK$72,848
+HK$4,178/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,340/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,886
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,814
−HK$1,956/mo
Today · 4.125%
HK$75,770
baseline
▲ 0.50% · 4.625%
HK$79,764
+HK$3,994/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,540/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,387
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,732
−HK$2,383/mo
Today · 4.125%
HK$80,115
baseline
▲ 0.50% · 4.625%
HK$84,989
+HK$4,874/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,230/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,867
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,117
−HK$2,281/mo
Today · 4.125%
HK$88,398
baseline
▲ 0.50% · 4.625%
HK$93,058
+HK$4,660/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,796/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,926
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,941
−HK$3,063/mo
Today · 4.125%
HK$103,004
baseline
▲ 0.50% · 4.625%
HK$109,272
+HK$6,268/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$206,008/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,829
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,721
−HK$2,934/mo
Today · 4.125%
HK$113,655
baseline
▲ 0.50% · 4.625%
HK$119,646
+HK$5,991/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,310/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,632 · Scale 2, in force from 26 Feb 2026)