LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,858
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,534
−HK$1,702/mo
Today · 4.125%
HK$57,236
baseline
▲ 0.50% · 4.625%
HK$60,719
+HK$3,483/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,472/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,917
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,524
−HK$1,630/mo
Today · 4.125%
HK$63,154
baseline
▲ 0.50% · 4.625%
HK$66,483
+HK$3,329/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,308/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,630
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,641
−HK$2,042/mo
Today · 4.125%
HK$68,683
baseline
▲ 0.50% · 4.625%
HK$72,862
+HK$4,179/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,366/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,900
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,829
−HK$1,956/mo
Today · 4.125%
HK$75,785
baseline
▲ 0.50% · 4.625%
HK$79,780
+HK$3,995/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,570/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,402
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,747
−HK$2,383/mo
Today · 4.125%
HK$80,130
baseline
▲ 0.50% · 4.625%
HK$85,006
+HK$4,876/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$160,260/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,884
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,134
−HK$2,282/mo
Today · 4.125%
HK$88,416
baseline
▲ 0.50% · 4.625%
HK$93,076
+HK$4,660/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$176,832/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,945
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,961
−HK$3,064/mo
Today · 4.125%
HK$103,025
baseline
▲ 0.50% · 4.625%
HK$109,293
+HK$6,268/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,050/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,851
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,743
−HK$2,934/mo
Today · 4.125%
HK$113,677
baseline
▲ 0.50% · 4.625%
HK$119,670
+HK$5,993/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,354/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,828 · Scale 2, in force from 26 Feb 2026)