LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,439
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,164
−HK$1,752/mo
Today · 4.125%
HK$58,916
baseline
▲ 0.50% · 4.625%
HK$62,500
+HK$3,584/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,832/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,675
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,330
−HK$1,678/mo
Today · 4.125%
HK$65,008
baseline
▲ 0.50% · 4.625%
HK$68,434
+HK$3,426/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,016/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,527
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,596
−HK$2,103/mo
Today · 4.125%
HK$70,699
baseline
▲ 0.50% · 4.625%
HK$75,001
+HK$4,302/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,398/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,011
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,995
−HK$2,014/mo
Today · 4.125%
HK$78,009
baseline
▲ 0.50% · 4.625%
HK$82,121
+HK$4,112/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,018/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,615
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,029
−HK$2,453/mo
Today · 4.125%
HK$82,482
baseline
▲ 0.50% · 4.625%
HK$87,501
+HK$5,019/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,964/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,346
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,661
−HK$2,350/mo
Today · 4.125%
HK$91,011
baseline
▲ 0.50% · 4.625%
HK$95,808
+HK$4,797/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,022/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,790
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,894
−HK$3,154/mo
Today · 4.125%
HK$106,048
baseline
▲ 0.50% · 4.625%
HK$112,501
+HK$6,453/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,096/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,016
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$113,993
−HK$3,021/mo
Today · 4.125%
HK$117,014
baseline
▲ 0.50% · 4.625%
HK$123,182
+HK$6,168/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,028/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,288 · Scale 2, in force from 26 Feb 2026)