LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,445
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,170
−HK$1,752/mo
Today · 4.125%
HK$58,922
baseline
▲ 0.50% · 4.625%
HK$62,507
+HK$3,585/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,844/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,682
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,337
−HK$1,678/mo
Today · 4.125%
HK$65,015
baseline
▲ 0.50% · 4.625%
HK$68,442
+HK$3,427/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,030/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,534
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,604
−HK$2,103/mo
Today · 4.125%
HK$70,707
baseline
▲ 0.50% · 4.625%
HK$75,009
+HK$4,302/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,414/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,019
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,004
−HK$2,014/mo
Today · 4.125%
HK$78,018
baseline
▲ 0.50% · 4.625%
HK$82,130
+HK$4,112/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,036/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,623
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,038
−HK$2,453/mo
Today · 4.125%
HK$82,491
baseline
▲ 0.50% · 4.625%
HK$87,510
+HK$5,019/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,982/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,355
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,671
−HK$2,350/mo
Today · 4.125%
HK$91,021
baseline
▲ 0.50% · 4.625%
HK$95,819
+HK$4,798/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,042/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,802
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,906
−HK$3,154/mo
Today · 4.125%
HK$106,060
baseline
▲ 0.50% · 4.625%
HK$112,513
+HK$6,453/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,120/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,028
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,006
−HK$3,021/mo
Today · 4.125%
HK$117,027
baseline
▲ 0.50% · 4.625%
HK$123,195
+HK$6,168/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,054/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,404 · Scale 2, in force from 26 Feb 2026)