LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,426
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,150
−HK$1,751/mo
Today · 4.125%
HK$58,901
baseline
▲ 0.50% · 4.625%
HK$62,485
+HK$3,584/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,802/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,661
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,314
−HK$1,678/mo
Today · 4.125%
HK$64,992
baseline
▲ 0.50% · 4.625%
HK$68,418
+HK$3,426/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,984/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,511
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,580
−HK$2,102/mo
Today · 4.125%
HK$70,682
baseline
▲ 0.50% · 4.625%
HK$74,983
+HK$4,301/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,364/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,993
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,977
−HK$2,013/mo
Today · 4.125%
HK$77,990
baseline
▲ 0.50% · 4.625%
HK$82,101
+HK$4,111/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,980/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,596
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,010
−HK$2,452/mo
Today · 4.125%
HK$82,462
baseline
▲ 0.50% · 4.625%
HK$87,480
+HK$5,018/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$164,924/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,325
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,640
−HK$2,349/mo
Today · 4.125%
HK$90,989
baseline
▲ 0.50% · 4.625%
HK$95,785
+HK$4,796/mo
Deposit HK$7.29M · loan HK$17.01M · min. income ≈ HK$181,978/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,766
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,870
−HK$3,153/mo
Today · 4.125%
HK$106,023
baseline
▲ 0.50% · 4.625%
HK$112,474
+HK$6,451/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,046/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,989
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$113,966
−HK$3,019/mo
Today · 4.125%
HK$116,985
baseline
▲ 0.50% · 4.625%
HK$123,152
+HK$6,167/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$233,970/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,039 · Scale 2, in force from 26 Feb 2026)