LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,942
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,683
−HK$1,767/mo
Today · 4.125%
HK$59,450
baseline
▲ 0.50% · 4.625%
HK$63,068
+HK$3,618/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$1,042,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,235
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,904
−HK$1,694/mo
Today · 4.125%
HK$65,598
baseline
▲ 0.50% · 4.625%
HK$69,055
+HK$3,457/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,196/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,131
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,219
−HK$2,122/mo
Today · 4.125%
HK$71,341
baseline
▲ 0.50% · 4.625%
HK$75,681
+HK$4,340/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,682/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,682
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,685
−HK$2,032/mo
Today · 4.125%
HK$78,717
baseline
▲ 0.50% · 4.625%
HK$82,867
+HK$4,150/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,434/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,319
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,756
−HK$2,475/mo
Today · 4.125%
HK$83,231
baseline
▲ 0.50% · 4.625%
HK$88,295
+HK$5,064/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,462/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,129
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,466
−HK$2,371/mo
Today · 4.125%
HK$91,837
baseline
▲ 0.50% · 4.625%
HK$96,678
+HK$4,841/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,674/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,696
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,829
−HK$3,182/mo
Today · 4.125%
HK$107,011
baseline
▲ 0.50% · 4.625%
HK$113,522
+HK$6,511/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,022/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,024
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$115,028
−HK$3,048/mo
Today · 4.125%
HK$118,076
baseline
▲ 0.50% · 4.625%
HK$124,300
+HK$6,224/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,152/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,669 · Scale 2, in force from 26 Feb 2026)