LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,477
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,203
−HK$1,753/mo
Today · 4.125%
HK$58,956
baseline
▲ 0.50% · 4.625%
HK$62,543
+HK$3,587/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$117,912/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,718
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,373
−HK$1,679/mo
Today · 4.125%
HK$65,052
baseline
▲ 0.50% · 4.625%
HK$68,481
+HK$3,429/mo
Deposit HK$12.16M · loan HK$12.16M · min. income ≈ HK$130,104/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,033,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,572
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$68,643
−HK$2,104/mo
Today · 4.125%
HK$70,747
baseline
▲ 0.50% · 4.625%
HK$75,052
+HK$4,305/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$141,494/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,033,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,061
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$76,047
−HK$2,015/mo
Today · 4.125%
HK$78,062
baseline
▲ 0.50% · 4.625%
HK$82,177
+HK$4,115/mo
Deposit HK$9.73M · loan HK$14.60M · min. income ≈ HK$156,124/mo (50% DSR)
Upfront cash ≈ HK$10.77M (deposit + AVD stamp duty HK$1,033,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,668
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,084
−HK$2,454/mo
Today · 4.125%
HK$82,538
baseline
▲ 0.50% · 4.625%
HK$87,560
+HK$5,022/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$165,076/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,405
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,722
−HK$2,351/mo
Today · 4.125%
HK$91,073
baseline
▲ 0.50% · 4.625%
HK$95,873
+HK$4,800/mo
Deposit HK$7.30M · loan HK$17.03M · min. income ≈ HK$182,146/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$1,033,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,858
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,965
−HK$3,156/mo
Today · 4.125%
HK$106,121
baseline
▲ 0.50% · 4.625%
HK$112,578
+HK$6,457/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$212,242/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,092
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,071
−HK$3,023/mo
Today · 4.125%
HK$117,094
baseline
▲ 0.50% · 4.625%
HK$123,266
+HK$6,172/mo
Deposit HK$2.43M · loan HK$21.90M · min. income ≈ HK$234,188/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$1,033,994 · Scale 2, in force from 26 Feb 2026)