LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,425
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,149
−HK$1,751/mo
Today · 4.125%
HK$58,900
baseline
▲ 0.50% · 4.625%
HK$62,484
+HK$3,584/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,800/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,660
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,313
−HK$1,678/mo
Today · 4.125%
HK$64,991
baseline
▲ 0.50% · 4.625%
HK$68,417
+HK$3,426/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,982/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,510
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,579
−HK$2,102/mo
Today · 4.125%
HK$70,681
baseline
▲ 0.50% · 4.625%
HK$74,981
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,362/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,992
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,976
−HK$2,013/mo
Today · 4.125%
HK$77,989
baseline
▲ 0.50% · 4.625%
HK$82,100
+HK$4,111/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,978/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,595
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,008
−HK$2,453/mo
Today · 4.125%
HK$82,461
baseline
▲ 0.50% · 4.625%
HK$87,478
+HK$5,017/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,922/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,033,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,323
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,639
−HK$2,348/mo
Today · 4.125%
HK$90,987
baseline
▲ 0.50% · 4.625%
HK$95,783
+HK$4,796/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,974/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,033,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,765
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,868
−HK$3,153/mo
Today · 4.125%
HK$106,021
baseline
▲ 0.50% · 4.625%
HK$112,472
+HK$6,451/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,042/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,987
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,964
−HK$3,020/mo
Today · 4.125%
HK$116,984
baseline
▲ 0.50% · 4.625%
HK$123,150
+HK$6,166/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$233,968/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,023 · Scale 2, in force from 26 Feb 2026)