LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,869
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,544
−HK$1,703/mo
Today · 4.125%
HK$57,247
baseline
▲ 0.50% · 4.625%
HK$60,730
+HK$3,483/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,494/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,928
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,536
−HK$1,630/mo
Today · 4.125%
HK$63,166
baseline
▲ 0.50% · 4.625%
HK$66,496
+HK$3,330/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,332/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,642
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,653
−HK$2,043/mo
Today · 4.125%
HK$68,696
baseline
▲ 0.50% · 4.625%
HK$72,876
+HK$4,180/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,392/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,914
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,843
−HK$1,956/mo
Today · 4.125%
HK$75,799
baseline
▲ 0.50% · 4.625%
HK$79,795
+HK$3,996/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,598/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,416
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,762
−HK$2,383/mo
Today · 4.125%
HK$80,145
baseline
▲ 0.50% · 4.625%
HK$85,022
+HK$4,877/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,290/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,900
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,150
−HK$2,283/mo
Today · 4.125%
HK$88,433
baseline
▲ 0.50% · 4.625%
HK$93,094
+HK$4,661/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,866/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,964
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,980
−HK$3,064/mo
Today · 4.125%
HK$103,044
baseline
▲ 0.50% · 4.625%
HK$109,314
+HK$6,270/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,088/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,871
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,764
−HK$2,935/mo
Today · 4.125%
HK$113,699
baseline
▲ 0.50% · 4.625%
HK$119,692
+HK$5,993/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,398/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,019 · Scale 2, in force from 26 Feb 2026)