LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,434
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,158
−HK$1,752/mo
Today · 4.125%
HK$58,910
baseline
▲ 0.50% · 4.625%
HK$62,494
+HK$3,584/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,820/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,669
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,323
−HK$1,678/mo
Today · 4.125%
HK$65,001
baseline
▲ 0.50% · 4.625%
HK$68,428
+HK$3,427/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,002/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,520
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,590
−HK$2,102/mo
Today · 4.125%
HK$70,692
baseline
▲ 0.50% · 4.625%
HK$74,993
+HK$4,301/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$141,384/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,003
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,988
−HK$2,013/mo
Today · 4.125%
HK$78,001
baseline
▲ 0.50% · 4.625%
HK$82,113
+HK$4,112/mo
Deposit HK$9.72M · loan HK$14.59M · min. income ≈ HK$156,002/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,607
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,021
−HK$2,453/mo
Today · 4.125%
HK$82,474
baseline
▲ 0.50% · 4.625%
HK$87,492
+HK$5,018/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,948/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,337
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,653
−HK$2,349/mo
Today · 4.125%
HK$91,002
baseline
▲ 0.50% · 4.625%
HK$95,799
+HK$4,797/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,004/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,781
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$102,884
−HK$3,154/mo
Today · 4.125%
HK$106,038
baseline
▲ 0.50% · 4.625%
HK$112,490
+HK$6,452/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,076/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,005
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$113,982
−HK$3,020/mo
Today · 4.125%
HK$117,002
baseline
▲ 0.50% · 4.625%
HK$123,170
+HK$6,168/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,004/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,188 · Scale 2, in force from 26 Feb 2026)