LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,925
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,602
−HK$1,704/mo
Today · 4.125%
HK$57,306
baseline
▲ 0.50% · 4.625%
HK$60,793
+HK$3,487/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,612/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,991
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,600
−HK$1,632/mo
Today · 4.125%
HK$63,232
baseline
▲ 0.50% · 4.625%
HK$66,565
+HK$3,333/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,464/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,710
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,722
−HK$2,045/mo
Today · 4.125%
HK$68,767
baseline
▲ 0.50% · 4.625%
HK$72,952
+HK$4,185/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,534/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,989
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,919
−HK$1,959/mo
Today · 4.125%
HK$75,878
baseline
▲ 0.50% · 4.625%
HK$79,878
+HK$4,000/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,756/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,495
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,843
−HK$2,386/mo
Today · 4.125%
HK$80,229
baseline
▲ 0.50% · 4.625%
HK$85,110
+HK$4,881/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,458/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,987
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,239
−HK$2,285/mo
Today · 4.125%
HK$88,524
baseline
▲ 0.50% · 4.625%
HK$93,191
+HK$4,667/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,048/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,064
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,084
−HK$3,067/mo
Today · 4.125%
HK$103,151
baseline
▲ 0.50% · 4.625%
HK$109,428
+HK$6,277/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,302/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,983
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,879
−HK$2,938/mo
Today · 4.125%
HK$113,817
baseline
▲ 0.50% · 4.625%
HK$119,817
+HK$6,000/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,634/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,062 · Scale 2, in force from 26 Feb 2026)