LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,965
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,644
−HK$1,705/mo
Today · 4.125%
HK$57,349
baseline
▲ 0.50% · 4.625%
HK$60,839
+HK$3,490/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,698/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,036
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,646
−HK$1,633/mo
Today · 4.125%
HK$63,279
baseline
▲ 0.50% · 4.625%
HK$66,615
+HK$3,336/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,558/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,758
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,773
−HK$2,046/mo
Today · 4.125%
HK$68,819
baseline
▲ 0.50% · 4.625%
HK$73,007
+HK$4,188/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,638/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,043
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,975
−HK$1,960/mo
Today · 4.125%
HK$75,935
baseline
▲ 0.50% · 4.625%
HK$79,938
+HK$4,003/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,870/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,552
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,902
−HK$2,387/mo
Today · 4.125%
HK$80,289
baseline
▲ 0.50% · 4.625%
HK$85,175
+HK$4,886/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,578/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,050
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,304
−HK$2,287/mo
Today · 4.125%
HK$88,591
baseline
▲ 0.50% · 4.625%
HK$93,261
+HK$4,670/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,182/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,138
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,159
−HK$3,070/mo
Today · 4.125%
HK$103,229
baseline
▲ 0.50% · 4.625%
HK$109,510
+HK$6,281/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,458/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,065
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,963
−HK$2,940/mo
Today · 4.125%
HK$113,903
baseline
▲ 0.50% · 4.625%
HK$119,907
+HK$6,004/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,806/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,821 · Scale 2, in force from 26 Feb 2026)