LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,448
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,173
−HK$1,752/mo
Today · 4.125%
HK$58,925
baseline
▲ 0.50% · 4.625%
HK$62,511
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,850/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,686
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,340
−HK$1,678/mo
Today · 4.125%
HK$65,018
baseline
▲ 0.50% · 4.625%
HK$68,446
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,036/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,538
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,608
−HK$2,103/mo
Today · 4.125%
HK$70,711
baseline
▲ 0.50% · 4.625%
HK$75,013
+HK$4,302/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,422/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,023
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,008
−HK$2,014/mo
Today · 4.125%
HK$78,022
baseline
▲ 0.50% · 4.625%
HK$82,135
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,044/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,628
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,042
−HK$2,454/mo
Today · 4.125%
HK$82,496
baseline
▲ 0.50% · 4.625%
HK$87,515
+HK$5,019/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$164,992/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,360
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,676
−HK$2,350/mo
Today · 4.125%
HK$91,026
baseline
▲ 0.50% · 4.625%
HK$95,824
+HK$4,798/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$182,052/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,807
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,912
−HK$3,154/mo
Today · 4.125%
HK$106,066
baseline
▲ 0.50% · 4.625%
HK$112,520
+HK$6,454/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,132/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,034
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,012
−HK$3,021/mo
Today · 4.125%
HK$117,033
baseline
▲ 0.50% · 4.625%
HK$123,202
+HK$6,169/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,066/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,461 · Scale 2, in force from 26 Feb 2026)