LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,461
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,186
−HK$1,753/mo
Today · 4.125%
HK$58,939
baseline
▲ 0.50% · 4.625%
HK$62,525
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,878/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,700
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,355
−HK$1,678/mo
Today · 4.125%
HK$65,033
baseline
▲ 0.50% · 4.625%
HK$68,461
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,066/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,033,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,553
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,623
−HK$2,104/mo
Today · 4.125%
HK$70,727
baseline
▲ 0.50% · 4.625%
HK$75,030
+HK$4,303/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,454/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,040
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$76,026
−HK$2,014/mo
Today · 4.125%
HK$78,040
baseline
▲ 0.50% · 4.625%
HK$82,154
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,080/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,646
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,061
−HK$2,454/mo
Today · 4.125%
HK$82,515
baseline
▲ 0.50% · 4.625%
HK$87,535
+HK$5,020/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,030/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,380
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,697
−HK$2,350/mo
Today · 4.125%
HK$91,047
baseline
▲ 0.50% · 4.625%
HK$95,846
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,094/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,830
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,935
−HK$3,155/mo
Today · 4.125%
HK$106,090
baseline
▲ 0.50% · 4.625%
HK$112,546
+HK$6,456/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,180/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,060
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,038
−HK$3,022/mo
Today · 4.125%
HK$117,060
baseline
▲ 0.50% · 4.625%
HK$123,230
+HK$6,170/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,120/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,698 · Scale 2, in force from 26 Feb 2026)