LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,446
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,171
−HK$1,752/mo
Today · 4.125%
HK$58,923
baseline
▲ 0.50% · 4.625%
HK$62,508
+HK$3,585/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,846/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,683
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,337
−HK$1,679/mo
Today · 4.125%
HK$65,016
baseline
▲ 0.50% · 4.625%
HK$68,443
+HK$3,427/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,032/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,535
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,605
−HK$2,103/mo
Today · 4.125%
HK$70,708
baseline
▲ 0.50% · 4.625%
HK$75,010
+HK$4,302/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,416/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,020
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,005
−HK$2,014/mo
Today · 4.125%
HK$78,019
baseline
▲ 0.50% · 4.625%
HK$82,131
+HK$4,112/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,038/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,624
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,039
−HK$2,453/mo
Today · 4.125%
HK$82,492
baseline
▲ 0.50% · 4.625%
HK$87,512
+HK$5,020/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$164,984/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,356
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,672
−HK$2,350/mo
Today · 4.125%
HK$91,022
baseline
▲ 0.50% · 4.625%
HK$95,820
+HK$4,798/mo
Deposit HK$7.29M · loan HK$17.02M · min. income ≈ HK$182,044/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,803
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,907
−HK$3,154/mo
Today · 4.125%
HK$106,061
baseline
▲ 0.50% · 4.625%
HK$112,515
+HK$6,454/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$212,122/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,030
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$114,007
−HK$3,021/mo
Today · 4.125%
HK$117,028
baseline
▲ 0.50% · 4.625%
HK$123,197
+HK$6,169/mo
Deposit HK$2.43M · loan HK$21.88M · min. income ≈ HK$234,056/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,033,417 · Scale 2, in force from 26 Feb 2026)