LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,875
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,551
−HK$1,702/mo
Today · 4.125%
HK$57,253
baseline
▲ 0.50% · 4.625%
HK$60,737
+HK$3,484/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$114,506/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,935
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,543
−HK$1,630/mo
Today · 4.125%
HK$63,173
baseline
▲ 0.50% · 4.625%
HK$66,503
+HK$3,330/mo
Deposit HK$11.81M · loan HK$11.81M · min. income ≈ HK$126,346/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,650
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,661
−HK$2,043/mo
Today · 4.125%
HK$68,704
baseline
▲ 0.50% · 4.625%
HK$72,884
+HK$4,180/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,408/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,922
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,851
−HK$1,957/mo
Today · 4.125%
HK$75,808
baseline
▲ 0.50% · 4.625%
HK$79,804
+HK$3,996/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,616/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,004,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,425
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,771
−HK$2,383/mo
Today · 4.125%
HK$80,154
baseline
▲ 0.50% · 4.625%
HK$85,032
+HK$4,878/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,308/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,909
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,160
−HK$2,283/mo
Today · 4.125%
HK$88,443
baseline
▲ 0.50% · 4.625%
HK$93,104
+HK$4,661/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,886/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,975
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,991
−HK$3,065/mo
Today · 4.125%
HK$103,056
baseline
▲ 0.50% · 4.625%
HK$109,326
+HK$6,270/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$206,112/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,883
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,777
−HK$2,935/mo
Today · 4.125%
HK$113,712
baseline
▲ 0.50% · 4.625%
HK$119,706
+HK$5,994/mo
Deposit HK$2.36M · loan HK$21.26M · min. income ≈ HK$227,424/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,132 · Scale 2, in force from 26 Feb 2026)