LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,953
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,694
−HK$1,768/mo
Today · 4.125%
HK$59,462
baseline
▲ 0.50% · 4.625%
HK$63,080
+HK$3,618/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,924/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,248
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,917
−HK$1,694/mo
Today · 4.125%
HK$65,611
baseline
▲ 0.50% · 4.625%
HK$69,069
+HK$3,458/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,222/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,144
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,233
−HK$2,122/mo
Today · 4.125%
HK$71,355
baseline
▲ 0.50% · 4.625%
HK$75,696
+HK$4,341/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$142,710/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,697
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,700
−HK$2,033/mo
Today · 4.125%
HK$78,733
baseline
▲ 0.50% · 4.625%
HK$82,883
+HK$4,150/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$157,466/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,335
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,771
−HK$2,476/mo
Today · 4.125%
HK$83,247
baseline
▲ 0.50% · 4.625%
HK$88,312
+HK$5,065/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,494/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,147
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,484
−HK$2,371/mo
Today · 4.125%
HK$91,855
baseline
▲ 0.50% · 4.625%
HK$96,697
+HK$4,842/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,710/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,716
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$103,849
−HK$3,183/mo
Today · 4.125%
HK$107,032
baseline
▲ 0.50% · 4.625%
HK$113,545
+HK$6,513/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$214,064/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,046
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,051
−HK$3,048/mo
Today · 4.125%
HK$118,099
baseline
▲ 0.50% · 4.625%
HK$124,324
+HK$6,225/mo
Deposit HK$2.45M · loan HK$22.08M · min. income ≈ HK$236,198/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,874 · Scale 2, in force from 26 Feb 2026)