LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,456
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,181
−HK$1,752/mo
Today · 4.125%
HK$58,933
baseline
▲ 0.50% · 4.625%
HK$62,519
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,866/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,694
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,348
−HK$1,679/mo
Today · 4.125%
HK$65,027
baseline
▲ 0.50% · 4.625%
HK$68,455
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,054/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,547
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,617
−HK$2,103/mo
Today · 4.125%
HK$70,720
baseline
▲ 0.50% · 4.625%
HK$75,023
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,440/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,033
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,018
−HK$2,014/mo
Today · 4.125%
HK$78,032
baseline
▲ 0.50% · 4.625%
HK$82,146
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,064/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,638
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,053
−HK$2,453/mo
Today · 4.125%
HK$82,506
baseline
▲ 0.50% · 4.625%
HK$87,527
+HK$5,021/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$165,012/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,371
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,688
−HK$2,350/mo
Today · 4.125%
HK$91,038
baseline
▲ 0.50% · 4.625%
HK$95,836
+HK$4,798/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$182,076/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,820
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,925
−HK$3,155/mo
Today · 4.125%
HK$106,080
baseline
▲ 0.50% · 4.625%
HK$112,534
+HK$6,454/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,160/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,049
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$114,027
−HK$3,021/mo
Today · 4.125%
HK$117,048
baseline
▲ 0.50% · 4.625%
HK$123,218
+HK$6,170/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,096/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,596 · Scale 2, in force from 26 Feb 2026)