LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,902
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,579
−HK$1,704/mo
Today · 4.125%
HK$57,283
baseline
▲ 0.50% · 4.625%
HK$60,768
+HK$3,485/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,566/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,966
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,574
−HK$1,632/mo
Today · 4.125%
HK$63,206
baseline
▲ 0.50% · 4.625%
HK$66,537
+HK$3,331/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,412/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,004,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,683
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$66,695
−HK$2,044/mo
Today · 4.125%
HK$68,739
baseline
▲ 0.50% · 4.625%
HK$72,922
+HK$4,183/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$137,478/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,959
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,889
−HK$1,958/mo
Today · 4.125%
HK$75,847
baseline
▲ 0.50% · 4.625%
HK$79,845
+HK$3,998/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$151,694/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,463
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,811
−HK$2,385/mo
Today · 4.125%
HK$80,196
baseline
▲ 0.50% · 4.625%
HK$85,075
+HK$4,879/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,392/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,952
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,204
−HK$2,284/mo
Today · 4.125%
HK$88,488
baseline
▲ 0.50% · 4.625%
HK$93,152
+HK$4,664/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$176,976/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,024
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,042
−HK$3,067/mo
Today · 4.125%
HK$103,109
baseline
▲ 0.50% · 4.625%
HK$109,382
+HK$6,273/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$206,218/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,939
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,833
−HK$2,937/mo
Today · 4.125%
HK$113,770
baseline
▲ 0.50% · 4.625%
HK$119,767
+HK$5,997/mo
Deposit HK$2.36M · loan HK$21.27M · min. income ≈ HK$227,540/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,647 · Scale 2, in force from 26 Feb 2026)