LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,852
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,527
−HK$1,702/mo
Today · 4.125%
HK$57,229
baseline
▲ 0.50% · 4.625%
HK$60,711
+HK$3,482/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,458/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,909
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,516
−HK$1,630/mo
Today · 4.125%
HK$63,146
baseline
▲ 0.50% · 4.625%
HK$66,475
+HK$3,329/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,292/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,622
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,632
−HK$2,042/mo
Today · 4.125%
HK$68,674
baseline
▲ 0.50% · 4.625%
HK$72,853
+HK$4,179/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,348/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,891
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,819
−HK$1,956/mo
Today · 4.125%
HK$75,775
baseline
▲ 0.50% · 4.625%
HK$79,770
+HK$3,995/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,550/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,392
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,737
−HK$2,383/mo
Today · 4.125%
HK$80,120
baseline
▲ 0.50% · 4.625%
HK$84,995
+HK$4,875/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$160,240/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,873
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,123
−HK$2,282/mo
Today · 4.125%
HK$88,405
baseline
▲ 0.50% · 4.625%
HK$93,064
+HK$4,659/mo
Deposit HK$7.08M · loan HK$16.53M · min. income ≈ HK$176,810/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,933
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,948
−HK$3,063/mo
Today · 4.125%
HK$103,011
baseline
▲ 0.50% · 4.625%
HK$109,279
+HK$6,268/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$206,022/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,837
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,729
−HK$2,934/mo
Today · 4.125%
HK$113,663
baseline
▲ 0.50% · 4.625%
HK$119,654
+HK$5,991/mo
Deposit HK$2.36M · loan HK$21.25M · min. income ≈ HK$227,326/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,701 · Scale 2, in force from 26 Feb 2026)