LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,908
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,584
−HK$1,704/mo
Today · 4.125%
HK$57,288
baseline
▲ 0.50% · 4.625%
HK$60,774
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,576/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,972
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,580
−HK$1,632/mo
Today · 4.125%
HK$63,212
baseline
▲ 0.50% · 4.625%
HK$66,544
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,424/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,689
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,701
−HK$2,045/mo
Today · 4.125%
HK$68,746
baseline
▲ 0.50% · 4.625%
HK$72,929
+HK$4,183/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$137,492/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,966
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,896
−HK$1,958/mo
Today · 4.125%
HK$75,854
baseline
▲ 0.50% · 4.625%
HK$79,852
+HK$3,998/mo
Deposit HK$9.46M · loan HK$14.18M · min. income ≈ HK$151,708/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,471
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,818
−HK$2,385/mo
Today · 4.125%
HK$80,203
baseline
▲ 0.50% · 4.625%
HK$85,083
+HK$4,880/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,406/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,960
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,212
−HK$2,284/mo
Today · 4.125%
HK$88,496
baseline
▲ 0.50% · 4.625%
HK$93,161
+HK$4,665/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$176,992/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,034
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,052
−HK$3,066/mo
Today · 4.125%
HK$103,118
baseline
▲ 0.50% · 4.625%
HK$109,393
+HK$6,275/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,236/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,949
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,844
−HK$2,937/mo
Today · 4.125%
HK$113,781
baseline
▲ 0.50% · 4.625%
HK$119,779
+HK$5,998/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,562/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,742 · Scale 2, in force from 26 Feb 2026)