LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,942
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,682
−HK$1,768/mo
Today · 4.125%
HK$59,450
baseline
▲ 0.50% · 4.625%
HK$63,067
+HK$3,617/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,900/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,235
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,904
−HK$1,693/mo
Today · 4.125%
HK$65,597
baseline
▲ 0.50% · 4.625%
HK$69,055
+HK$3,458/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,194/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,130
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,218
−HK$2,122/mo
Today · 4.125%
HK$71,340
baseline
▲ 0.50% · 4.625%
HK$75,681
+HK$4,341/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,680/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,682
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$76,685
−HK$2,031/mo
Today · 4.125%
HK$78,716
baseline
▲ 0.50% · 4.625%
HK$82,866
+HK$4,150/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,432/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,319
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,755
−HK$2,475/mo
Today · 4.125%
HK$83,230
baseline
▲ 0.50% · 4.625%
HK$88,294
+HK$5,064/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,460/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,129
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,465
−HK$2,371/mo
Today · 4.125%
HK$91,836
baseline
▲ 0.50% · 4.625%
HK$96,677
+HK$4,841/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,672/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,695
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,827
−HK$3,183/mo
Today · 4.125%
HK$107,010
baseline
▲ 0.50% · 4.625%
HK$113,521
+HK$6,511/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,020/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,022
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,027
−HK$3,048/mo
Today · 4.125%
HK$118,075
baseline
▲ 0.50% · 4.625%
HK$124,299
+HK$6,224/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,150/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,658 · Scale 2, in force from 26 Feb 2026)