LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,457
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,182
−HK$1,753/mo
Today · 4.125%
HK$58,935
baseline
▲ 0.50% · 4.625%
HK$62,521
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,870/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,696
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,350
−HK$1,679/mo
Today · 4.125%
HK$65,029
baseline
▲ 0.50% · 4.625%
HK$68,456
+HK$3,427/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,058/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,549
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$68,619
−HK$2,103/mo
Today · 4.125%
HK$70,722
baseline
▲ 0.50% · 4.625%
HK$75,025
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,444/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,035
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$76,020
−HK$2,014/mo
Today · 4.125%
HK$78,034
baseline
▲ 0.50% · 4.625%
HK$82,148
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,068/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,640
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,055
−HK$2,454/mo
Today · 4.125%
HK$82,509
baseline
▲ 0.50% · 4.625%
HK$87,529
+HK$5,020/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$165,018/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,374
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,690
−HK$2,350/mo
Today · 4.125%
HK$91,040
baseline
▲ 0.50% · 4.625%
HK$95,839
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.02M · min. income ≈ HK$182,080/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,823
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,928
−HK$3,155/mo
Today · 4.125%
HK$106,083
baseline
▲ 0.50% · 4.625%
HK$112,538
+HK$6,455/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,166/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,052
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,030
−HK$3,022/mo
Today · 4.125%
HK$117,052
baseline
▲ 0.50% · 4.625%
HK$123,222
+HK$6,170/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,104/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,625 · Scale 2, in force from 26 Feb 2026)