LTV · monthly repayment
▼ 0.50% · 3.625%
HK$53,969
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,648
−HK$1,705/mo
Today · 4.125%
HK$57,353
baseline
▲ 0.50% · 4.625%
HK$60,843
+HK$3,490/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$114,706/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,040
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,650
−HK$1,634/mo
Today · 4.125%
HK$63,284
baseline
▲ 0.50% · 4.625%
HK$66,619
+HK$3,335/mo
Deposit HK$11.83M · loan HK$11.83M · min. income ≈ HK$126,568/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,005,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,763
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,777
−HK$2,047/mo
Today · 4.125%
HK$68,824
baseline
▲ 0.50% · 4.625%
HK$73,012
+HK$4,188/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$137,648/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,048
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,980
−HK$1,960/mo
Today · 4.125%
HK$75,940
baseline
▲ 0.50% · 4.625%
HK$79,943
+HK$4,003/mo
Deposit HK$9.47M · loan HK$14.20M · min. income ≈ HK$151,880/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,005,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,556
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,907
−HK$2,387/mo
Today · 4.125%
HK$80,294
baseline
▲ 0.50% · 4.625%
HK$85,180
+HK$4,886/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$160,588/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,056
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,310
−HK$2,287/mo
Today · 4.125%
HK$88,597
baseline
▲ 0.50% · 4.625%
HK$93,267
+HK$4,670/mo
Deposit HK$7.10M · loan HK$16.57M · min. income ≈ HK$177,194/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,005,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,144
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,166
−HK$3,070/mo
Today · 4.125%
HK$103,236
baseline
▲ 0.50% · 4.625%
HK$109,517
+HK$6,281/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$206,472/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,072
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,970
−HK$2,940/mo
Today · 4.125%
HK$113,910
baseline
▲ 0.50% · 4.625%
HK$119,915
+HK$6,005/mo
Deposit HK$2.37M · loan HK$21.30M · min. income ≈ HK$227,820/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$1,005,886 · Scale 2, in force from 26 Feb 2026)