LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,441
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,166
−HK$1,752/mo
Today · 4.125%
HK$58,918
baseline
▲ 0.50% · 4.625%
HK$62,503
+HK$3,585/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,836/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,678
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,332
−HK$1,678/mo
Today · 4.125%
HK$65,010
baseline
▲ 0.50% · 4.625%
HK$68,437
+HK$3,427/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,020/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,529
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,599
−HK$2,102/mo
Today · 4.125%
HK$70,701
baseline
▲ 0.50% · 4.625%
HK$75,003
+HK$4,302/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,402/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,013
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$75,998
−HK$2,014/mo
Today · 4.125%
HK$78,012
baseline
▲ 0.50% · 4.625%
HK$82,124
+HK$4,112/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,024/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,617
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,032
−HK$2,453/mo
Today · 4.125%
HK$82,485
baseline
▲ 0.50% · 4.625%
HK$87,504
+HK$5,019/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,970/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,349
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,664
−HK$2,350/mo
Today · 4.125%
HK$91,014
baseline
▲ 0.50% · 4.625%
HK$95,811
+HK$4,797/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,028/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,794
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,898
−HK$3,154/mo
Today · 4.125%
HK$106,052
baseline
▲ 0.50% · 4.625%
HK$112,505
+HK$6,453/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,104/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,020
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$113,997
−HK$3,021/mo
Today · 4.125%
HK$117,018
baseline
▲ 0.50% · 4.625%
HK$123,186
+HK$6,168/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,036/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,324 · Scale 2, in force from 26 Feb 2026)