LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,241
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,959
−HK$1,746/mo
Today · 4.125%
HK$58,705
baseline
▲ 0.50% · 4.625%
HK$62,277
+HK$3,572/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,410/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,455
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,103
−HK$1,672/mo
Today · 4.125%
HK$64,775
baseline
▲ 0.50% · 4.625%
HK$68,190
+HK$3,415/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,550/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,289
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,351
−HK$2,095/mo
Today · 4.125%
HK$70,446
baseline
▲ 0.50% · 4.625%
HK$74,733
+HK$4,287/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,892/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,746
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,724
−HK$2,007/mo
Today · 4.125%
HK$77,731
baseline
▲ 0.50% · 4.625%
HK$81,828
+HK$4,097/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,462/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,338
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,743
−HK$2,444/mo
Today · 4.125%
HK$82,187
baseline
▲ 0.50% · 4.625%
HK$87,188
+HK$5,001/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,374/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,037
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,345
−HK$2,341/mo
Today · 4.125%
HK$90,686
baseline
▲ 0.50% · 4.625%
HK$95,466
+HK$4,780/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,372/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,434
−HK$6,235/mo
▼ 0.25% · 3.875%
HK$102,527
−HK$3,142/mo
Today · 4.125%
HK$105,669
baseline
▲ 0.50% · 4.625%
HK$112,099
+HK$6,430/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$211,338/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,619
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,586
−HK$3,010/mo
Today · 4.125%
HK$116,596
baseline
▲ 0.50% · 4.625%
HK$122,742
+HK$6,146/mo
Deposit HK$2.42M · loan HK$21.80M · min. income ≈ HK$233,192/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,599 · Scale 2, in force from 26 Feb 2026)