LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,867
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,542
−HK$1,703/mo
Today · 4.125%
HK$57,245
baseline
▲ 0.50% · 4.625%
HK$60,728
+HK$3,483/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,490/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,003,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,926
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,534
−HK$1,630/mo
Today · 4.125%
HK$63,164
baseline
▲ 0.50% · 4.625%
HK$66,493
+HK$3,329/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,328/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,003,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,640
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,651
−HK$2,043/mo
Today · 4.125%
HK$68,694
baseline
▲ 0.50% · 4.625%
HK$72,874
+HK$4,180/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,388/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,912
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,840
−HK$1,957/mo
Today · 4.125%
HK$75,797
baseline
▲ 0.50% · 4.625%
HK$79,792
+HK$3,995/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,594/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,003,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,414
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,759
−HK$2,384/mo
Today · 4.125%
HK$80,143
baseline
▲ 0.50% · 4.625%
HK$85,019
+HK$4,876/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,286/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,897
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,147
−HK$2,283/mo
Today · 4.125%
HK$88,430
baseline
▲ 0.50% · 4.625%
HK$93,091
+HK$4,661/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,860/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,003,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,960
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,976
−HK$3,065/mo
Today · 4.125%
HK$103,041
baseline
▲ 0.50% · 4.625%
HK$109,310
+HK$6,269/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,082/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,867
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,760
−HK$2,935/mo
Today · 4.125%
HK$113,695
baseline
▲ 0.50% · 4.625%
HK$119,688
+HK$5,993/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,390/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,003,985 · Scale 2, in force from 26 Feb 2026)