LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,872
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,548
−HK$1,702/mo
Today · 4.125%
HK$57,250
baseline
▲ 0.50% · 4.625%
HK$60,734
+HK$3,484/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$1,004,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,932
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,540
−HK$1,630/mo
Today · 4.125%
HK$63,170
baseline
▲ 0.50% · 4.625%
HK$66,500
+HK$3,330/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,340/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,647
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,657
−HK$2,044/mo
Today · 4.125%
HK$68,701
baseline
▲ 0.50% · 4.625%
HK$72,881
+HK$4,180/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,402/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,919
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,848
−HK$1,956/mo
Today · 4.125%
HK$75,804
baseline
▲ 0.50% · 4.625%
HK$79,800
+HK$3,996/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,608/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,421
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,767
−HK$2,384/mo
Today · 4.125%
HK$80,151
baseline
▲ 0.50% · 4.625%
HK$85,028
+HK$4,877/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,302/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,905
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,155
−HK$2,283/mo
Today · 4.125%
HK$88,438
baseline
▲ 0.50% · 4.625%
HK$93,100
+HK$4,662/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,876/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,970
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,986
−HK$3,065/mo
Today · 4.125%
HK$103,051
baseline
▲ 0.50% · 4.625%
HK$109,321
+HK$6,270/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,102/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,878
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,771
−HK$2,935/mo
Today · 4.125%
HK$113,706
baseline
▲ 0.50% · 4.625%
HK$119,700
+HK$5,994/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,412/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,084 · Scale 2, in force from 26 Feb 2026)