LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,954
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,632
−HK$1,705/mo
Today · 4.125%
HK$57,337
baseline
▲ 0.50% · 4.625%
HK$60,826
+HK$3,489/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,674/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,023
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,633
−HK$1,633/mo
Today · 4.125%
HK$63,266
baseline
▲ 0.50% · 4.625%
HK$66,601
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,532/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,744
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,758
−HK$2,046/mo
Today · 4.125%
HK$68,804
baseline
▲ 0.50% · 4.625%
HK$72,991
+HK$4,187/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$137,608/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,027
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,959
−HK$1,960/mo
Today · 4.125%
HK$75,919
baseline
▲ 0.50% · 4.625%
HK$79,921
+HK$4,002/mo
Deposit HK$9.46M · loan HK$14.20M · min. income ≈ HK$151,838/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,535
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,885
−HK$2,387/mo
Today · 4.125%
HK$80,272
baseline
▲ 0.50% · 4.625%
HK$85,156
+HK$4,884/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$160,544/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,032
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,286
−HK$2,286/mo
Today · 4.125%
HK$88,572
baseline
▲ 0.50% · 4.625%
HK$93,241
+HK$4,669/mo
Deposit HK$7.10M · loan HK$16.56M · min. income ≈ HK$177,144/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$1,005,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,116
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,137
−HK$3,070/mo
Today · 4.125%
HK$103,207
baseline
▲ 0.50% · 4.625%
HK$109,486
+HK$6,279/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,414/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,041
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,939
−HK$2,939/mo
Today · 4.125%
HK$113,878
baseline
▲ 0.50% · 4.625%
HK$119,881
+HK$6,003/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,756/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,601 · Scale 2, in force from 26 Feb 2026)