LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,940
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,680
−HK$1,768/mo
Today · 4.125%
HK$59,448
baseline
▲ 0.50% · 4.625%
HK$63,065
+HK$3,617/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,896/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,233
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,902
−HK$1,693/mo
Today · 4.125%
HK$65,595
baseline
▲ 0.50% · 4.625%
HK$69,053
+HK$3,458/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,190/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,128
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,216
−HK$2,122/mo
Today · 4.125%
HK$71,338
baseline
▲ 0.50% · 4.625%
HK$75,678
+HK$4,340/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,676/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,679
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,682
−HK$2,032/mo
Today · 4.125%
HK$78,714
baseline
▲ 0.50% · 4.625%
HK$82,863
+HK$4,149/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,428/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,316
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,752
−HK$2,475/mo
Today · 4.125%
HK$83,227
baseline
▲ 0.50% · 4.625%
HK$88,291
+HK$5,064/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,454/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,126
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,463
−HK$2,370/mo
Today · 4.125%
HK$91,833
baseline
▲ 0.50% · 4.625%
HK$96,674
+HK$4,841/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,666/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,692
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,824
−HK$3,183/mo
Today · 4.125%
HK$107,007
baseline
▲ 0.50% · 4.625%
HK$113,518
+HK$6,511/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,014/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,019
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,023
−HK$3,048/mo
Today · 4.125%
HK$118,071
baseline
▲ 0.50% · 4.625%
HK$124,295
+HK$6,224/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,142/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,627 · Scale 2, in force from 26 Feb 2026)