LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,440
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,165
−HK$1,752/mo
Today · 4.125%
HK$58,917
baseline
▲ 0.50% · 4.625%
HK$62,502
+HK$3,585/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,834/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,677
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,331
−HK$1,678/mo
Today · 4.125%
HK$65,009
baseline
▲ 0.50% · 4.625%
HK$68,435
+HK$3,426/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,018/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,528
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,598
−HK$2,102/mo
Today · 4.125%
HK$70,700
baseline
▲ 0.50% · 4.625%
HK$75,002
+HK$4,302/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,400/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,012
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$75,997
−HK$2,013/mo
Today · 4.125%
HK$78,010
baseline
▲ 0.50% · 4.625%
HK$82,123
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,020/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,616
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,030
−HK$2,453/mo
Today · 4.125%
HK$82,483
baseline
▲ 0.50% · 4.625%
HK$87,502
+HK$5,019/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,966/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,347
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,663
−HK$2,349/mo
Today · 4.125%
HK$91,012
baseline
▲ 0.50% · 4.625%
HK$95,810
+HK$4,798/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,024/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,792
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,896
−HK$3,154/mo
Today · 4.125%
HK$106,050
baseline
▲ 0.50% · 4.625%
HK$112,503
+HK$6,453/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,100/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,018
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$113,995
−HK$3,021/mo
Today · 4.125%
HK$117,016
baseline
▲ 0.50% · 4.625%
HK$123,184
+HK$6,168/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,032/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,307 · Scale 2, in force from 26 Feb 2026)