LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,870
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,545
−HK$1,703/mo
Today · 4.125%
HK$57,248
baseline
▲ 0.50% · 4.625%
HK$60,731
+HK$3,483/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,496/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,930
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,537
−HK$1,630/mo
Today · 4.125%
HK$63,167
baseline
▲ 0.50% · 4.625%
HK$66,497
+HK$3,330/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,334/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,644
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,655
−HK$2,043/mo
Today · 4.125%
HK$68,698
baseline
▲ 0.50% · 4.625%
HK$72,878
+HK$4,180/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$137,396/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,916
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,844
−HK$1,957/mo
Today · 4.125%
HK$75,801
baseline
▲ 0.50% · 4.625%
HK$79,797
+HK$3,996/mo
Deposit HK$9.45M · loan HK$14.17M · min. income ≈ HK$151,602/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,418
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,764
−HK$2,383/mo
Today · 4.125%
HK$80,147
baseline
▲ 0.50% · 4.625%
HK$85,024
+HK$4,877/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,294/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,902
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,152
−HK$2,282/mo
Today · 4.125%
HK$88,434
baseline
▲ 0.50% · 4.625%
HK$93,096
+HK$4,662/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,868/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,966
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,982
−HK$3,064/mo
Today · 4.125%
HK$103,046
baseline
▲ 0.50% · 4.625%
HK$109,316
+HK$6,270/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,092/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,873
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,766
−HK$2,935/mo
Today · 4.125%
HK$113,701
baseline
▲ 0.50% · 4.625%
HK$119,695
+HK$5,994/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,402/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,040 · Scale 2, in force from 26 Feb 2026)