LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,466
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,192
−HK$1,753/mo
Today · 4.125%
HK$58,945
baseline
▲ 0.50% · 4.625%
HK$62,531
+HK$3,586/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,890/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,706
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,361
−HK$1,679/mo
Today · 4.125%
HK$65,040
baseline
▲ 0.50% · 4.625%
HK$68,468
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,080/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,560
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,630
−HK$2,104/mo
Today · 4.125%
HK$70,734
baseline
▲ 0.50% · 4.625%
HK$75,038
+HK$4,304/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$141,468/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,047
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,033
−HK$2,015/mo
Today · 4.125%
HK$78,048
baseline
▲ 0.50% · 4.625%
HK$82,162
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.59M · min. income ≈ HK$156,096/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,653
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,069
−HK$2,454/mo
Today · 4.125%
HK$82,523
baseline
▲ 0.50% · 4.625%
HK$87,544
+HK$5,021/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,046/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,388
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,705
−HK$2,351/mo
Today · 4.125%
HK$91,056
baseline
▲ 0.50% · 4.625%
HK$95,855
+HK$4,799/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,112/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,840
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$102,945
−HK$3,155/mo
Today · 4.125%
HK$106,100
baseline
▲ 0.50% · 4.625%
HK$112,556
+HK$6,456/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,200/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,071
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,049
−HK$3,022/mo
Today · 4.125%
HK$117,071
baseline
▲ 0.50% · 4.625%
HK$123,242
+HK$6,171/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,142/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,799 · Scale 2, in force from 26 Feb 2026)