LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,250
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,969
−HK$1,746/mo
Today · 4.125%
HK$58,715
baseline
▲ 0.50% · 4.625%
HK$62,288
+HK$3,573/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$117,430/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,465
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,114
−HK$1,672/mo
Today · 4.125%
HK$64,786
baseline
▲ 0.50% · 4.625%
HK$68,201
+HK$3,415/mo
Deposit HK$12.11M · loan HK$12.11M · min. income ≈ HK$129,572/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,029,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,300
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,363
−HK$2,095/mo
Today · 4.125%
HK$70,458
baseline
▲ 0.50% · 4.625%
HK$74,745
+HK$4,287/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$140,916/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,758
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,737
−HK$2,006/mo
Today · 4.125%
HK$77,743
baseline
▲ 0.50% · 4.625%
HK$81,841
+HK$4,098/mo
Deposit HK$9.69M · loan HK$14.54M · min. income ≈ HK$155,486/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,029,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,350
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,756
−HK$2,445/mo
Today · 4.125%
HK$82,201
baseline
▲ 0.50% · 4.625%
HK$87,203
+HK$5,002/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$164,402/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,052
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,359
−HK$2,342/mo
Today · 4.125%
HK$90,701
baseline
▲ 0.50% · 4.625%
HK$95,482
+HK$4,781/mo
Deposit HK$7.27M · loan HK$16.96M · min. income ≈ HK$181,402/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$1,029,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,450
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,544
−HK$3,143/mo
Today · 4.125%
HK$105,687
baseline
▲ 0.50% · 4.625%
HK$112,118
+HK$6,431/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$211,374/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,638
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,605
−HK$3,010/mo
Today · 4.125%
HK$116,615
baseline
▲ 0.50% · 4.625%
HK$122,762
+HK$6,147/mo
Deposit HK$2.42M · loan HK$21.81M · min. income ≈ HK$233,230/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,029,769 · Scale 2, in force from 26 Feb 2026)