LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,473
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,198
−HK$1,754/mo
Today · 4.125%
HK$58,952
baseline
▲ 0.50% · 4.625%
HK$62,539
+HK$3,587/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,904/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,713
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,368
−HK$1,679/mo
Today · 4.125%
HK$65,047
baseline
▲ 0.50% · 4.625%
HK$68,476
+HK$3,429/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,094/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,568
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,638
−HK$2,104/mo
Today · 4.125%
HK$70,742
baseline
▲ 0.50% · 4.625%
HK$75,046
+HK$4,304/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,484/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,056
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,042
−HK$2,015/mo
Today · 4.125%
HK$78,057
baseline
▲ 0.50% · 4.625%
HK$82,171
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,114/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,033,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,662
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,078
−HK$2,454/mo
Today · 4.125%
HK$82,532
baseline
▲ 0.50% · 4.625%
HK$87,554
+HK$5,022/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,064/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,398
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,716
−HK$2,350/mo
Today · 4.125%
HK$91,066
baseline
▲ 0.50% · 4.625%
HK$95,866
+HK$4,800/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,132/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,851
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,957
−HK$3,156/mo
Today · 4.125%
HK$106,113
baseline
▲ 0.50% · 4.625%
HK$112,570
+HK$6,457/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$212,226/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,084
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,063
−HK$3,022/mo
Today · 4.125%
HK$117,085
baseline
▲ 0.50% · 4.625%
HK$123,257
+HK$6,172/mo
Deposit HK$2.43M · loan HK$21.89M · min. income ≈ HK$234,170/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,920 · Scale 2, in force from 26 Feb 2026)