LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,862
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,537
−HK$1,702/mo
Today · 4.125%
HK$57,239
baseline
▲ 0.50% · 4.625%
HK$60,722
+HK$3,483/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,478/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,921
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,528
−HK$1,630/mo
Today · 4.125%
HK$63,158
baseline
▲ 0.50% · 4.625%
HK$66,487
+HK$3,329/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,316/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,003,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,634
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,644
−HK$2,043/mo
Today · 4.125%
HK$68,687
baseline
▲ 0.50% · 4.625%
HK$72,867
+HK$4,180/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,374/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,905
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,833
−HK$1,956/mo
Today · 4.125%
HK$75,789
baseline
▲ 0.50% · 4.625%
HK$79,784
+HK$3,995/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,578/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,406
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,752
−HK$2,383/mo
Today · 4.125%
HK$80,135
baseline
▲ 0.50% · 4.625%
HK$85,011
+HK$4,876/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$160,270/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,889
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,139
−HK$2,282/mo
Today · 4.125%
HK$88,421
baseline
▲ 0.50% · 4.625%
HK$93,082
+HK$4,661/mo
Deposit HK$7.09M · loan HK$16.53M · min. income ≈ HK$176,842/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,951
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,967
−HK$3,064/mo
Today · 4.125%
HK$103,031
baseline
▲ 0.50% · 4.625%
HK$109,300
+HK$6,269/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,062/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,857
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,750
−HK$2,934/mo
Today · 4.125%
HK$113,684
baseline
▲ 0.50% · 4.625%
HK$119,677
+HK$5,993/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,368/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,888 · Scale 2, in force from 26 Feb 2026)