LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,450
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,175
−HK$1,753/mo
Today · 4.125%
HK$58,928
baseline
▲ 0.50% · 4.625%
HK$62,513
+HK$3,585/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,856/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,688
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,342
−HK$1,679/mo
Today · 4.125%
HK$65,021
baseline
▲ 0.50% · 4.625%
HK$68,448
+HK$3,427/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,042/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,541
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$68,610
−HK$2,103/mo
Today · 4.125%
HK$70,713
baseline
▲ 0.50% · 4.625%
HK$75,016
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,426/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,026
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,011
−HK$2,014/mo
Today · 4.125%
HK$78,025
baseline
▲ 0.50% · 4.625%
HK$82,138
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,050/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,631
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,045
−HK$2,454/mo
Today · 4.125%
HK$82,499
baseline
▲ 0.50% · 4.625%
HK$87,519
+HK$5,020/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$164,998/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,363
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,679
−HK$2,350/mo
Today · 4.125%
HK$91,029
baseline
▲ 0.50% · 4.625%
HK$95,827
+HK$4,798/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$182,058/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,811
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,915
−HK$3,155/mo
Today · 4.125%
HK$106,070
baseline
▲ 0.50% · 4.625%
HK$112,524
+HK$6,454/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,140/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,038
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,016
−HK$3,022/mo
Today · 4.125%
HK$117,038
baseline
▲ 0.50% · 4.625%
HK$123,207
+HK$6,169/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,076/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,500 · Scale 2, in force from 26 Feb 2026)