LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,926
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,603
−HK$1,704/mo
Today · 4.125%
HK$57,307
baseline
▲ 0.50% · 4.625%
HK$60,794
+HK$3,487/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$114,614/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,992
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,601
−HK$1,632/mo
Today · 4.125%
HK$63,233
baseline
▲ 0.50% · 4.625%
HK$66,566
+HK$3,333/mo
Deposit HK$11.82M · loan HK$11.82M · min. income ≈ HK$126,466/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,711
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,724
−HK$2,045/mo
Today · 4.125%
HK$68,769
baseline
▲ 0.50% · 4.625%
HK$72,953
+HK$4,184/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,538/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,990
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,921
−HK$1,959/mo
Today · 4.125%
HK$75,880
baseline
▲ 0.50% · 4.625%
HK$79,879
+HK$3,999/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,760/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,005,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,496
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,845
−HK$2,385/mo
Today · 4.125%
HK$80,230
baseline
▲ 0.50% · 4.625%
HK$85,112
+HK$4,882/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$160,460/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,989
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,241
−HK$2,285/mo
Today · 4.125%
HK$88,526
baseline
▲ 0.50% · 4.625%
HK$93,193
+HK$4,667/mo
Deposit HK$7.09M · loan HK$16.55M · min. income ≈ HK$177,052/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,067
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,086
−HK$3,067/mo
Today · 4.125%
HK$103,153
baseline
▲ 0.50% · 4.625%
HK$109,430
+HK$6,277/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$206,306/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,986
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,882
−HK$2,938/mo
Today · 4.125%
HK$113,820
baseline
▲ 0.50% · 4.625%
HK$119,819
+HK$5,999/mo
Deposit HK$2.36M · loan HK$21.28M · min. income ≈ HK$227,640/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,084 · Scale 2, in force from 26 Feb 2026)