LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,939
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,679
−HK$1,768/mo
Today · 4.125%
HK$59,447
baseline
▲ 0.50% · 4.625%
HK$63,064
+HK$3,617/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,894/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,232
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,901
−HK$1,693/mo
Today · 4.125%
HK$65,594
baseline
▲ 0.50% · 4.625%
HK$69,052
+HK$3,458/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,188/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,127
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,215
−HK$2,121/mo
Today · 4.125%
HK$71,336
baseline
▲ 0.50% · 4.625%
HK$75,677
+HK$4,341/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,672/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,678
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,681
−HK$2,032/mo
Today · 4.125%
HK$78,713
baseline
▲ 0.50% · 4.625%
HK$82,862
+HK$4,149/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,426/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,315
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,751
−HK$2,475/mo
Today · 4.125%
HK$83,226
baseline
▲ 0.50% · 4.625%
HK$88,290
+HK$5,064/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,452/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,124
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,461
−HK$2,371/mo
Today · 4.125%
HK$91,832
baseline
▲ 0.50% · 4.625%
HK$96,672
+HK$4,840/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,664/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,691
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$103,823
−HK$3,182/mo
Today · 4.125%
HK$107,005
baseline
▲ 0.50% · 4.625%
HK$113,516
+HK$6,511/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,010/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,017
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,021
−HK$3,048/mo
Today · 4.125%
HK$118,069
baseline
▲ 0.50% · 4.625%
HK$124,293
+HK$6,224/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,138/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,609 · Scale 2, in force from 26 Feb 2026)