LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,912
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,589
−HK$1,704/mo
Today · 4.125%
HK$57,293
baseline
▲ 0.50% · 4.625%
HK$60,779
+HK$3,486/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,586/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,976
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,585
−HK$1,632/mo
Today · 4.125%
HK$63,217
baseline
▲ 0.50% · 4.625%
HK$66,549
+HK$3,332/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,434/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,004,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,694
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,707
−HK$2,044/mo
Today · 4.125%
HK$68,751
baseline
▲ 0.50% · 4.625%
HK$72,934
+HK$4,183/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,502/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,972
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,902
−HK$1,958/mo
Today · 4.125%
HK$75,860
baseline
▲ 0.50% · 4.625%
HK$79,859
+HK$3,999/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,720/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,004,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,477
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,824
−HK$2,386/mo
Today · 4.125%
HK$80,210
baseline
▲ 0.50% · 4.625%
HK$85,090
+HK$4,880/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,420/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,967
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,219
−HK$2,284/mo
Today · 4.125%
HK$88,503
baseline
▲ 0.50% · 4.625%
HK$93,169
+HK$4,666/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,006/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,004,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,041
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,060
−HK$3,067/mo
Today · 4.125%
HK$103,127
baseline
▲ 0.50% · 4.625%
HK$109,402
+HK$6,275/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,254/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,957
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,853
−HK$2,937/mo
Today · 4.125%
HK$113,790
baseline
▲ 0.50% · 4.625%
HK$119,788
+HK$5,998/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,580/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,004,823 · Scale 2, in force from 26 Feb 2026)