LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,967
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,646
−HK$1,705/mo
Today · 4.125%
HK$57,351
baseline
▲ 0.50% · 4.625%
HK$60,841
+HK$3,490/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,702/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,038
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,648
−HK$1,634/mo
Today · 4.125%
HK$63,282
baseline
▲ 0.50% · 4.625%
HK$66,617
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,564/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,761
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,775
−HK$2,047/mo
Today · 4.125%
HK$68,822
baseline
▲ 0.50% · 4.625%
HK$73,009
+HK$4,187/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,644/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,046
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,978
−HK$1,960/mo
Today · 4.125%
HK$75,938
baseline
▲ 0.50% · 4.625%
HK$79,941
+HK$4,003/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,876/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,554
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,904
−HK$2,388/mo
Today · 4.125%
HK$80,292
baseline
▲ 0.50% · 4.625%
HK$85,177
+HK$4,885/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,584/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,053
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,307
−HK$2,287/mo
Today · 4.125%
HK$88,594
baseline
▲ 0.50% · 4.625%
HK$93,264
+HK$4,670/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,188/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,141
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,163
−HK$3,069/mo
Today · 4.125%
HK$103,232
baseline
▲ 0.50% · 4.625%
HK$109,514
+HK$6,282/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,464/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,068
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,967
−HK$2,940/mo
Today · 4.125%
HK$113,907
baseline
▲ 0.50% · 4.625%
HK$119,911
+HK$6,004/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,814/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,854 · Scale 2, in force from 26 Feb 2026)