LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,310
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,030
−HK$1,748/mo
Today · 4.125%
HK$58,778
baseline
▲ 0.50% · 4.625%
HK$62,355
+HK$3,577/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$117,556/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,532
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,182
−HK$1,674/mo
Today · 4.125%
HK$64,856
baseline
▲ 0.50% · 4.625%
HK$68,275
+HK$3,419/mo
Deposit HK$12.13M · loan HK$12.13M · min. income ≈ HK$129,712/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,030,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,372
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,436
−HK$2,098/mo
Today · 4.125%
HK$70,534
baseline
▲ 0.50% · 4.625%
HK$74,826
+HK$4,292/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$141,068/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,838
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,818
−HK$2,009/mo
Today · 4.125%
HK$77,827
baseline
▲ 0.50% · 4.625%
HK$81,930
+HK$4,103/mo
Deposit HK$9.70M · loan HK$14.55M · min. income ≈ HK$155,654/mo (50% DSR)
Upfront cash ≈ HK$10.73M (deposit + AVD stamp duty HK$1,030,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,434
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,842
−HK$2,448/mo
Today · 4.125%
HK$82,290
baseline
▲ 0.50% · 4.625%
HK$87,297
+HK$5,007/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$164,580/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,144
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,455
−HK$2,343/mo
Today · 4.125%
HK$90,798
baseline
▲ 0.50% · 4.625%
HK$95,584
+HK$4,786/mo
Deposit HK$7.28M · loan HK$16.98M · min. income ≈ HK$181,596/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$1,030,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,558
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$102,654
−HK$3,147/mo
Today · 4.125%
HK$105,801
baseline
▲ 0.50% · 4.625%
HK$112,239
+HK$6,438/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$211,602/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,757
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$113,727
−HK$3,014/mo
Today · 4.125%
HK$116,741
baseline
▲ 0.50% · 4.625%
HK$122,894
+HK$6,153/mo
Deposit HK$2.43M · loan HK$21.83M · min. income ≈ HK$233,482/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,030,879 · Scale 2, in force from 26 Feb 2026)