LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,890
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,567
−HK$1,703/mo
Today · 4.125%
HK$57,270
baseline
▲ 0.50% · 4.625%
HK$60,754
+HK$3,484/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,540/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,952
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,560
−HK$1,631/mo
Today · 4.125%
HK$63,191
baseline
▲ 0.50% · 4.625%
HK$66,522
+HK$3,331/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,382/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,668
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,680
−HK$2,044/mo
Today · 4.125%
HK$68,724
baseline
▲ 0.50% · 4.625%
HK$72,905
+HK$4,181/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$137,448/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,943
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,872
−HK$1,958/mo
Today · 4.125%
HK$75,830
baseline
▲ 0.50% · 4.625%
HK$79,827
+HK$3,997/mo
Deposit HK$9.45M · loan HK$14.18M · min. income ≈ HK$151,660/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,446
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,793
−HK$2,385/mo
Today · 4.125%
HK$80,178
baseline
▲ 0.50% · 4.625%
HK$85,056
+HK$4,878/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$160,356/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,933
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,184
−HK$2,284/mo
Today · 4.125%
HK$88,468
baseline
▲ 0.50% · 4.625%
HK$93,131
+HK$4,663/mo
Deposit HK$7.09M · loan HK$16.54M · min. income ≈ HK$176,936/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$1,004,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,002
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,020
−HK$3,065/mo
Today · 4.125%
HK$103,085
baseline
▲ 0.50% · 4.625%
HK$109,358
+HK$6,273/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,170/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,914
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,808
−HK$2,937/mo
Today · 4.125%
HK$113,745
baseline
▲ 0.50% · 4.625%
HK$119,740
+HK$5,995/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,490/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,421 · Scale 2, in force from 26 Feb 2026)