LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,951
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,691
−HK$1,769/mo
Today · 4.125%
HK$59,460
baseline
▲ 0.50% · 4.625%
HK$63,078
+HK$3,618/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,920/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,245
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,914
−HK$1,694/mo
Today · 4.125%
HK$65,608
baseline
▲ 0.50% · 4.625%
HK$69,066
+HK$3,458/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,216/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,141
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,230
−HK$2,122/mo
Today · 4.125%
HK$71,352
baseline
▲ 0.50% · 4.625%
HK$75,693
+HK$4,341/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$142,704/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,694
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,697
−HK$2,032/mo
Today · 4.125%
HK$78,729
baseline
▲ 0.50% · 4.625%
HK$82,879
+HK$4,150/mo
Deposit HK$9.81M · loan HK$14.72M · min. income ≈ HK$157,458/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,331
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,768
−HK$2,475/mo
Today · 4.125%
HK$83,243
baseline
▲ 0.50% · 4.625%
HK$88,309
+HK$5,066/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,486/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,143
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,480
−HK$2,371/mo
Today · 4.125%
HK$91,851
baseline
▲ 0.50% · 4.625%
HK$96,693
+HK$4,842/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,702/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,712
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,845
−HK$3,182/mo
Today · 4.125%
HK$107,027
baseline
▲ 0.50% · 4.625%
HK$113,540
+HK$6,513/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,054/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,041
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,046
−HK$3,048/mo
Today · 4.125%
HK$118,094
baseline
▲ 0.50% · 4.625%
HK$124,319
+HK$6,225/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,188/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,830 · Scale 2, in force from 26 Feb 2026)