LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,427
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,151
−HK$1,752/mo
Today · 4.125%
HK$58,903
baseline
▲ 0.50% · 4.625%
HK$62,487
+HK$3,584/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$117,806/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,662
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,316
−HK$1,678/mo
Today · 4.125%
HK$64,994
baseline
▲ 0.50% · 4.625%
HK$68,420
+HK$3,426/mo
Deposit HK$12.15M · loan HK$12.15M · min. income ≈ HK$129,988/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,513
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$68,582
−HK$2,102/mo
Today · 4.125%
HK$70,684
baseline
▲ 0.50% · 4.625%
HK$74,984
+HK$4,300/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$141,368/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,995
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$75,979
−HK$2,013/mo
Today · 4.125%
HK$77,992
baseline
▲ 0.50% · 4.625%
HK$82,103
+HK$4,111/mo
Deposit HK$9.72M · loan HK$14.58M · min. income ≈ HK$155,984/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,598
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,012
−HK$2,452/mo
Today · 4.125%
HK$82,464
baseline
▲ 0.50% · 4.625%
HK$87,482
+HK$5,018/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,928/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,327
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,642
−HK$2,349/mo
Today · 4.125%
HK$90,991
baseline
▲ 0.50% · 4.625%
HK$95,787
+HK$4,796/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$181,982/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,769
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,872
−HK$3,153/mo
Today · 4.125%
HK$106,025
baseline
▲ 0.50% · 4.625%
HK$112,477
+HK$6,452/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,050/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,992
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,969
−HK$3,020/mo
Today · 4.125%
HK$116,989
baseline
▲ 0.50% · 4.625%
HK$123,155
+HK$6,166/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$233,978/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,067 · Scale 2, in force from 26 Feb 2026)