LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,850
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,525
−HK$1,702/mo
Today · 4.125%
HK$57,227
baseline
▲ 0.50% · 4.625%
HK$60,709
+HK$3,482/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,454/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,908
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,515
−HK$1,629/mo
Today · 4.125%
HK$63,144
baseline
▲ 0.50% · 4.625%
HK$66,473
+HK$3,329/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,288/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,620
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,630
−HK$2,043/mo
Today · 4.125%
HK$68,673
baseline
▲ 0.50% · 4.625%
HK$72,851
+HK$4,178/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,346/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,889
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,817
−HK$1,956/mo
Today · 4.125%
HK$75,773
baseline
▲ 0.50% · 4.625%
HK$79,768
+HK$3,995/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,546/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,390
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,735
−HK$2,383/mo
Today · 4.125%
HK$80,118
baseline
▲ 0.50% · 4.625%
HK$84,993
+HK$4,875/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,236/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,871
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,120
−HK$2,282/mo
Today · 4.125%
HK$88,402
baseline
▲ 0.50% · 4.625%
HK$93,062
+HK$4,660/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,804/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,930
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,946
−HK$3,063/mo
Today · 4.125%
HK$103,009
baseline
▲ 0.50% · 4.625%
HK$109,277
+HK$6,268/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$206,018/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,834
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,726
−HK$2,934/mo
Today · 4.125%
HK$113,660
baseline
▲ 0.50% · 4.625%
HK$119,651
+HK$5,991/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,320/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,675 · Scale 2, in force from 26 Feb 2026)