LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,853
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,528
−HK$1,702/mo
Today · 4.125%
HK$57,230
baseline
▲ 0.50% · 4.625%
HK$60,713
+HK$3,483/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,460/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,911
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,518
−HK$1,630/mo
Today · 4.125%
HK$63,148
baseline
▲ 0.50% · 4.625%
HK$66,477
+HK$3,329/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,296/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,624
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,634
−HK$2,042/mo
Today · 4.125%
HK$68,676
baseline
▲ 0.50% · 4.625%
HK$72,855
+HK$4,179/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,352/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,893
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,822
−HK$1,956/mo
Today · 4.125%
HK$75,778
baseline
▲ 0.50% · 4.625%
HK$79,772
+HK$3,994/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,556/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,395
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,740
−HK$2,382/mo
Today · 4.125%
HK$80,122
baseline
▲ 0.50% · 4.625%
HK$84,998
+HK$4,876/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$160,244/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,876
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,125
−HK$2,282/mo
Today · 4.125%
HK$88,407
baseline
▲ 0.50% · 4.625%
HK$93,067
+HK$4,660/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$176,814/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,936
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,951
−HK$3,064/mo
Today · 4.125%
HK$103,015
baseline
▲ 0.50% · 4.625%
HK$109,283
+HK$6,268/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,030/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,840
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,732
−HK$2,934/mo
Today · 4.125%
HK$113,666
baseline
▲ 0.50% · 4.625%
HK$119,658
+HK$5,992/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,332/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,731 · Scale 2, in force from 26 Feb 2026)