LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,871
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,547
−HK$1,703/mo
Today · 4.125%
HK$57,250
baseline
▲ 0.50% · 4.625%
HK$60,733
+HK$3,483/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,500/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,931
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,539
−HK$1,630/mo
Today · 4.125%
HK$63,169
baseline
▲ 0.50% · 4.625%
HK$66,499
+HK$3,330/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,338/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,646
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,657
−HK$2,043/mo
Today · 4.125%
HK$68,700
baseline
▲ 0.50% · 4.625%
HK$72,880
+HK$4,180/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,400/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,918
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,847
−HK$1,956/mo
Today · 4.125%
HK$75,803
baseline
▲ 0.50% · 4.625%
HK$79,799
+HK$3,996/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,606/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,420
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,766
−HK$2,384/mo
Today · 4.125%
HK$80,150
baseline
▲ 0.50% · 4.625%
HK$85,026
+HK$4,876/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,300/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,904
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,154
−HK$2,283/mo
Today · 4.125%
HK$88,437
baseline
▲ 0.50% · 4.625%
HK$93,099
+HK$4,662/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,874/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,969
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,985
−HK$3,064/mo
Today · 4.125%
HK$103,049
baseline
▲ 0.50% · 4.625%
HK$109,320
+HK$6,271/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,098/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,877
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,770
−HK$2,935/mo
Today · 4.125%
HK$113,705
baseline
▲ 0.50% · 4.625%
HK$119,698
+HK$5,993/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,410/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,071 · Scale 2, in force from 26 Feb 2026)