LTV · monthly repayment
▼ 0.50% · 3.625%
HK$54,028
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,708
−HK$1,708/mo
Today · 4.125%
HK$57,416
baseline
▲ 0.50% · 4.625%
HK$60,909
+HK$3,493/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$114,832/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,105
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,717
−HK$1,636/mo
Today · 4.125%
HK$63,353
baseline
▲ 0.50% · 4.625%
HK$66,692
+HK$3,339/mo
Deposit HK$11.85M · loan HK$11.85M · min. income ≈ HK$126,706/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,006,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,833
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,850
−HK$2,049/mo
Today · 4.125%
HK$68,899
baseline
▲ 0.50% · 4.625%
HK$73,091
+HK$4,192/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$137,798/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,126
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,061
−HK$1,962/mo
Today · 4.125%
HK$76,023
baseline
▲ 0.50% · 4.625%
HK$80,031
+HK$4,008/mo
Deposit HK$9.48M · loan HK$14.22M · min. income ≈ HK$152,046/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,006,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,639
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,992
−HK$2,390/mo
Today · 4.125%
HK$80,382
baseline
▲ 0.50% · 4.625%
HK$85,273
+HK$4,891/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$160,764/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,006,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,148
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,404
−HK$2,290/mo
Today · 4.125%
HK$88,694
baseline
▲ 0.50% · 4.625%
HK$93,369
+HK$4,675/mo
Deposit HK$7.11M · loan HK$16.59M · min. income ≈ HK$177,388/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$1,006,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,250
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,275
−HK$3,073/mo
Today · 4.125%
HK$103,348
baseline
▲ 0.50% · 4.625%
HK$109,637
+HK$6,289/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$206,696/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,190
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,091
−HK$2,944/mo
Today · 4.125%
HK$114,035
baseline
▲ 0.50% · 4.625%
HK$120,046
+HK$6,011/mo
Deposit HK$2.37M · loan HK$21.32M · min. income ≈ HK$228,070/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$1,006,984 · Scale 2, in force from 26 Feb 2026)