LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,454
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,179
−HK$1,752/mo
Today · 4.125%
HK$58,931
baseline
▲ 0.50% · 4.625%
HK$62,517
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,862/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,692
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,346
−HK$1,679/mo
Today · 4.125%
HK$65,025
baseline
▲ 0.50% · 4.625%
HK$68,453
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,050/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,545
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,615
−HK$2,103/mo
Today · 4.125%
HK$70,718
baseline
▲ 0.50% · 4.625%
HK$75,021
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,436/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,030
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,016
−HK$2,014/mo
Today · 4.125%
HK$78,030
baseline
▲ 0.50% · 4.625%
HK$82,143
+HK$4,113/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,060/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,635
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,050
−HK$2,454/mo
Today · 4.125%
HK$82,504
baseline
▲ 0.50% · 4.625%
HK$87,524
+HK$5,020/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$165,008/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,369
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,685
−HK$2,350/mo
Today · 4.125%
HK$91,035
baseline
▲ 0.50% · 4.625%
HK$95,834
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$182,070/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,817
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$102,922
−HK$3,154/mo
Today · 4.125%
HK$106,076
baseline
▲ 0.50% · 4.625%
HK$112,531
+HK$6,455/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,152/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,045
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,024
−HK$3,021/mo
Today · 4.125%
HK$117,045
baseline
▲ 0.50% · 4.625%
HK$123,215
+HK$6,170/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,090/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,565 · Scale 2, in force from 26 Feb 2026)