LTV · monthly repayment
▼ 0.50% · 3.625%
HK$48,227
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,728
−HK$1,524/mo
Today · 4.125%
HK$51,252
baseline
▲ 0.50% · 4.625%
HK$54,370
+HK$3,118/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$102,504/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,653
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,091
−HK$1,460/mo
Today · 4.125%
HK$56,551
baseline
▲ 0.50% · 4.625%
HK$59,532
+HK$2,981/mo
Deposit HK$10.57M · loan HK$10.57M · min. income ≈ HK$113,102/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$865,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,873
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,673
−HK$1,829/mo
Today · 4.125%
HK$61,502
baseline
▲ 0.50% · 4.625%
HK$65,244
+HK$3,742/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$123,004/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$865,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,383
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,110
−HK$1,751/mo
Today · 4.125%
HK$67,861
baseline
▲ 0.50% · 4.625%
HK$71,438
+HK$3,577/mo
Deposit HK$8.46M · loan HK$12.69M · min. income ≈ HK$135,722/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$865,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,518
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,619
−HK$2,133/mo
Today · 4.125%
HK$71,752
baseline
▲ 0.50% · 4.625%
HK$76,118
+HK$4,366/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$143,504/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,114
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,128
−HK$2,044/mo
Today · 4.125%
HK$79,172
baseline
▲ 0.50% · 4.625%
HK$83,345
+HK$4,173/mo
Deposit HK$6.34M · loan HK$14.80M · min. income ≈ HK$158,344/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$865,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,809
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,510
−HK$2,743/mo
Today · 4.125%
HK$92,253
baseline
▲ 0.50% · 4.625%
HK$97,866
+HK$5,613/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$184,506/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,575
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,165
−HK$2,627/mo
Today · 4.125%
HK$101,792
baseline
▲ 0.50% · 4.625%
HK$107,158
+HK$5,366/mo
Deposit HK$2.11M · loan HK$19.03M · min. income ≈ HK$203,584/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$865,000 · Scale 2, in force from 26 Feb 2026)