LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,957
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,697
−HK$1,769/mo
Today · 4.125%
HK$59,466
baseline
▲ 0.50% · 4.625%
HK$63,084
+HK$3,618/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,932/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,251
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,921
−HK$1,693/mo
Today · 4.125%
HK$65,614
baseline
▲ 0.50% · 4.625%
HK$69,073
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,228/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,148
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,237
−HK$2,122/mo
Today · 4.125%
HK$71,359
baseline
▲ 0.50% · 4.625%
HK$75,701
+HK$4,342/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$142,718/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,701
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,705
−HK$2,032/mo
Today · 4.125%
HK$78,737
baseline
▲ 0.50% · 4.625%
HK$82,888
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$157,474/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,339
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,776
−HK$2,476/mo
Today · 4.125%
HK$83,252
baseline
▲ 0.50% · 4.625%
HK$88,318
+HK$5,066/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,504/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,152
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,489
−HK$2,371/mo
Today · 4.125%
HK$91,860
baseline
▲ 0.50% · 4.625%
HK$96,702
+HK$4,842/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,720/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$1,042,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,722
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$103,855
−HK$3,183/mo
Today · 4.125%
HK$107,038
baseline
▲ 0.50% · 4.625%
HK$113,551
+HK$6,513/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,076/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,052
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,057
−HK$3,049/mo
Today · 4.125%
HK$118,106
baseline
▲ 0.50% · 4.625%
HK$124,331
+HK$6,225/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,212/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,934 · Scale 2, in force from 26 Feb 2026)