LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,947
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,687
−HK$1,769/mo
Today · 4.125%
HK$59,456
baseline
▲ 0.50% · 4.625%
HK$63,073
+HK$3,617/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,912/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,241
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,910
−HK$1,693/mo
Today · 4.125%
HK$65,603
baseline
▲ 0.50% · 4.625%
HK$69,061
+HK$3,458/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,206/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,137
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,225
−HK$2,122/mo
Today · 4.125%
HK$71,347
baseline
▲ 0.50% · 4.625%
HK$75,688
+HK$4,341/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,694/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,689
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,692
−HK$2,032/mo
Today · 4.125%
HK$78,724
baseline
▲ 0.50% · 4.625%
HK$82,874
+HK$4,150/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,448/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,326
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,762
−HK$2,476/mo
Today · 4.125%
HK$83,238
baseline
▲ 0.50% · 4.625%
HK$88,303
+HK$5,065/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$166,476/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,137
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,474
−HK$2,371/mo
Today · 4.125%
HK$91,845
baseline
▲ 0.50% · 4.625%
HK$96,686
+HK$4,841/mo
Deposit HK$7.36M · loan HK$17.17M · min. income ≈ HK$183,690/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,705
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,837
−HK$3,183/mo
Today · 4.125%
HK$107,020
baseline
▲ 0.50% · 4.625%
HK$113,532
+HK$6,512/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,040/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,033
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,038
−HK$3,048/mo
Today · 4.125%
HK$118,086
baseline
▲ 0.50% · 4.625%
HK$124,310
+HK$6,224/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,172/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,758 · Scale 2, in force from 26 Feb 2026)