LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,475
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,201
−HK$1,753/mo
Today · 4.125%
HK$58,954
baseline
▲ 0.50% · 4.625%
HK$62,541
+HK$3,587/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,908/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,715
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,371
−HK$1,679/mo
Today · 4.125%
HK$65,050
baseline
▲ 0.50% · 4.625%
HK$68,478
+HK$3,428/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,100/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,570
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$68,641
−HK$2,103/mo
Today · 4.125%
HK$70,744
baseline
▲ 0.50% · 4.625%
HK$75,049
+HK$4,305/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,488/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,033,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,058
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$76,045
−HK$2,015/mo
Today · 4.125%
HK$78,060
baseline
▲ 0.50% · 4.625%
HK$82,174
+HK$4,114/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,120/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,033,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,665
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,081
−HK$2,454/mo
Today · 4.125%
HK$82,535
baseline
▲ 0.50% · 4.625%
HK$87,557
+HK$5,022/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,070/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,401
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,719
−HK$2,350/mo
Today · 4.125%
HK$91,069
baseline
▲ 0.50% · 4.625%
HK$95,870
+HK$4,801/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,138/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,855
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$102,961
−HK$3,156/mo
Today · 4.125%
HK$106,117
baseline
▲ 0.50% · 4.625%
HK$112,574
+HK$6,457/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,234/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,088
−HK$6,001/mo
▼ 0.25% · 3.875%
HK$114,067
−HK$3,022/mo
Today · 4.125%
HK$117,089
baseline
▲ 0.50% · 4.625%
HK$123,261
+HK$6,172/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,178/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,957 · Scale 2, in force from 26 Feb 2026)