LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,866
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,542
−HK$1,702/mo
Today · 4.125%
HK$57,244
baseline
▲ 0.50% · 4.625%
HK$60,727
+HK$3,483/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,488/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,003,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,926
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,533
−HK$1,630/mo
Today · 4.125%
HK$63,163
baseline
▲ 0.50% · 4.625%
HK$66,493
+HK$3,330/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,326/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,003,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,640
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,650
−HK$2,043/mo
Today · 4.125%
HK$68,693
baseline
▲ 0.50% · 4.625%
HK$72,873
+HK$4,180/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,386/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,911
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,840
−HK$1,956/mo
Today · 4.125%
HK$75,796
baseline
▲ 0.50% · 4.625%
HK$79,791
+HK$3,995/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,592/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,413
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,759
−HK$2,383/mo
Today · 4.125%
HK$80,142
baseline
▲ 0.50% · 4.625%
HK$85,018
+HK$4,876/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,284/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,896
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,146
−HK$2,283/mo
Today · 4.125%
HK$88,429
baseline
▲ 0.50% · 4.625%
HK$93,090
+HK$4,661/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,858/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,959
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,975
−HK$3,065/mo
Today · 4.125%
HK$103,040
baseline
▲ 0.50% · 4.625%
HK$109,309
+HK$6,269/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,080/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,866
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,759
−HK$2,935/mo
Today · 4.125%
HK$113,694
baseline
▲ 0.50% · 4.625%
HK$119,687
+HK$5,993/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,388/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,976 · Scale 2, in force from 26 Feb 2026)