LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,422
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,146
−HK$1,751/mo
Today · 4.125%
HK$58,897
baseline
▲ 0.50% · 4.625%
HK$62,481
+HK$3,584/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$1,032,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,656
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,310
−HK$1,678/mo
Today · 4.125%
HK$64,988
baseline
▲ 0.50% · 4.625%
HK$68,413
+HK$3,425/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,976/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,032,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,506
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,575
−HK$2,102/mo
Today · 4.125%
HK$70,677
baseline
▲ 0.50% · 4.625%
HK$74,977
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,354/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,032,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,988
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,972
−HK$2,013/mo
Today · 4.125%
HK$77,985
baseline
▲ 0.50% · 4.625%
HK$82,096
+HK$4,111/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,970/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,032,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,591
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$80,004
−HK$2,452/mo
Today · 4.125%
HK$82,456
baseline
▲ 0.50% · 4.625%
HK$87,474
+HK$5,018/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,912/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,319
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,634
−HK$2,349/mo
Today · 4.125%
HK$90,983
baseline
▲ 0.50% · 4.625%
HK$95,778
+HK$4,795/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,966/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,760
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,863
−HK$3,152/mo
Today · 4.125%
HK$106,015
baseline
▲ 0.50% · 4.625%
HK$112,466
+HK$6,451/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$212,030/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,982
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,958
−HK$3,020/mo
Today · 4.125%
HK$116,978
baseline
▲ 0.50% · 4.625%
HK$123,144
+HK$6,166/mo
Deposit HK$2.43M · loan HK$21.87M · min. income ≈ HK$233,956/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,970 · Scale 2, in force from 26 Feb 2026)