LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,474
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,199
−HK$1,753/mo
Today · 4.125%
HK$58,952
baseline
▲ 0.50% · 4.625%
HK$62,540
+HK$3,588/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$1,033,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,714
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,369
−HK$1,679/mo
Today · 4.125%
HK$65,048
baseline
▲ 0.50% · 4.625%
HK$68,477
+HK$3,429/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,096/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,568
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,639
−HK$2,104/mo
Today · 4.125%
HK$70,743
baseline
▲ 0.50% · 4.625%
HK$75,047
+HK$4,304/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,486/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,033,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,057
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,043
−HK$2,015/mo
Today · 4.125%
HK$78,058
baseline
▲ 0.50% · 4.625%
HK$82,172
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,116/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,033,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,663
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,079
−HK$2,454/mo
Today · 4.125%
HK$82,533
baseline
▲ 0.50% · 4.625%
HK$87,555
+HK$5,022/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,066/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,400
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,717
−HK$2,350/mo
Today · 4.125%
HK$91,067
baseline
▲ 0.50% · 4.625%
HK$95,868
+HK$4,801/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,134/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,853
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,959
−HK$3,155/mo
Today · 4.125%
HK$106,114
baseline
▲ 0.50% · 4.625%
HK$112,571
+HK$6,457/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,228/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,085
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,064
−HK$3,023/mo
Today · 4.125%
HK$117,087
baseline
▲ 0.50% · 4.625%
HK$123,258
+HK$6,171/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,174/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,934 · Scale 2, in force from 26 Feb 2026)