LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,026
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,706
−HK$1,708/mo
Today · 4.125%
HK$57,414
baseline
▲ 0.50% · 4.625%
HK$60,907
+HK$3,493/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,828/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,103
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,715
−HK$1,635/mo
Today · 4.125%
HK$63,350
baseline
▲ 0.50% · 4.625%
HK$66,690
+HK$3,340/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,700/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,831
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,848
−HK$2,048/mo
Today · 4.125%
HK$68,896
baseline
▲ 0.50% · 4.625%
HK$73,089
+HK$4,193/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,792/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,124
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,058
−HK$1,962/mo
Today · 4.125%
HK$76,020
baseline
▲ 0.50% · 4.625%
HK$80,028
+HK$4,008/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,040/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,636
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,989
−HK$2,390/mo
Today · 4.125%
HK$80,379
baseline
▲ 0.50% · 4.625%
HK$85,270
+HK$4,891/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,758/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,144
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,401
−HK$2,290/mo
Today · 4.125%
HK$88,691
baseline
▲ 0.50% · 4.625%
HK$93,366
+HK$4,675/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,382/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$1,006,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,246
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,271
−HK$3,074/mo
Today · 4.125%
HK$103,345
baseline
▲ 0.50% · 4.625%
HK$109,633
+HK$6,288/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,690/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,186
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,087
−HK$2,944/mo
Today · 4.125%
HK$114,031
baseline
▲ 0.50% · 4.625%
HK$120,041
+HK$6,010/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$228,062/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,948 · Scale 2, in force from 26 Feb 2026)