LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,303
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,023
−HK$1,748/mo
Today · 4.125%
HK$58,771
baseline
▲ 0.50% · 4.625%
HK$62,347
+HK$3,576/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,542/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,524
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,174
−HK$1,674/mo
Today · 4.125%
HK$64,848
baseline
▲ 0.50% · 4.625%
HK$68,266
+HK$3,418/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,696/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,364
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,428
−HK$2,097/mo
Today · 4.125%
HK$70,525
baseline
▲ 0.50% · 4.625%
HK$74,816
+HK$4,291/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,050/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,829
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,809
−HK$2,009/mo
Today · 4.125%
HK$77,818
baseline
▲ 0.50% · 4.625%
HK$81,919
+HK$4,101/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,636/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,424
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,832
−HK$2,447/mo
Today · 4.125%
HK$82,279
baseline
▲ 0.50% · 4.625%
HK$87,286
+HK$5,007/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,558/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,134
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,444
−HK$2,343/mo
Today · 4.125%
HK$90,787
baseline
▲ 0.50% · 4.625%
HK$95,573
+HK$4,786/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,574/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,545
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,642
−HK$3,146/mo
Today · 4.125%
HK$105,788
baseline
▲ 0.50% · 4.625%
HK$112,225
+HK$6,437/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,576/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,743
−HK$5,983/mo
▼ 0.25% · 3.875%
HK$113,713
−HK$3,013/mo
Today · 4.125%
HK$116,726
baseline
▲ 0.50% · 4.625%
HK$122,879
+HK$6,153/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,452/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,751 · Scale 2, in force from 26 Feb 2026)