LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,421
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,145
−HK$1,752/mo
Today · 4.125%
HK$58,897
baseline
▲ 0.50% · 4.625%
HK$62,480
+HK$3,583/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,794/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,032,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,655
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,309
−HK$1,678/mo
Today · 4.125%
HK$64,987
baseline
▲ 0.50% · 4.625%
HK$68,412
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,974/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,032,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,505
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,574
−HK$2,102/mo
Today · 4.125%
HK$70,676
baseline
▲ 0.50% · 4.625%
HK$74,976
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,352/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,987
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,971
−HK$2,013/mo
Today · 4.125%
HK$77,984
baseline
▲ 0.50% · 4.625%
HK$82,094
+HK$4,110/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,968/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,590
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$80,003
−HK$2,452/mo
Today · 4.125%
HK$82,455
baseline
▲ 0.50% · 4.625%
HK$87,472
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,910/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,318
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,633
−HK$2,348/mo
Today · 4.125%
HK$90,981
baseline
▲ 0.50% · 4.625%
HK$95,777
+HK$4,796/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,962/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,758
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,861
−HK$3,153/mo
Today · 4.125%
HK$106,014
baseline
▲ 0.50% · 4.625%
HK$112,464
+HK$6,450/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$212,028/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,980
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,956
−HK$3,020/mo
Today · 4.125%
HK$116,976
baseline
▲ 0.50% · 4.625%
HK$123,142
+HK$6,166/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,952/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,954 · Scale 2, in force from 26 Feb 2026)