LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,931
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,609
−HK$1,704/mo
Today · 4.125%
HK$57,313
baseline
▲ 0.50% · 4.625%
HK$60,800
+HK$3,487/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,626/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,998
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,607
−HK$1,632/mo
Today · 4.125%
HK$63,239
baseline
▲ 0.50% · 4.625%
HK$66,573
+HK$3,334/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,478/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,005,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,717
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,730
−HK$2,046/mo
Today · 4.125%
HK$68,776
baseline
▲ 0.50% · 4.625%
HK$72,961
+HK$4,185/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$137,552/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,997
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,928
−HK$1,959/mo
Today · 4.125%
HK$75,887
baseline
▲ 0.50% · 4.625%
HK$79,887
+HK$4,000/mo
Deposit HK$9.46M · loan HK$14.19M · min. income ≈ HK$151,774/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,504
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,852
−HK$2,386/mo
Today · 4.125%
HK$80,238
baseline
▲ 0.50% · 4.625%
HK$85,121
+HK$4,883/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,476/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,997
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,250
−HK$2,285/mo
Today · 4.125%
HK$88,535
baseline
▲ 0.50% · 4.625%
HK$93,202
+HK$4,667/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,070/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,076
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,096
−HK$3,068/mo
Today · 4.125%
HK$103,164
baseline
▲ 0.50% · 4.625%
HK$109,441
+HK$6,277/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$206,328/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,996
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,892
−HK$2,939/mo
Today · 4.125%
HK$113,831
baseline
▲ 0.50% · 4.625%
HK$119,831
+HK$6,000/mo
Deposit HK$2.37M · loan HK$21.29M · min. income ≈ HK$227,662/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,182 · Scale 2, in force from 26 Feb 2026)