LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,958
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,699
−HK$1,768/mo
Today · 4.125%
HK$59,467
baseline
▲ 0.50% · 4.625%
HK$63,085
+HK$3,618/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,934/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,253
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,922
−HK$1,694/mo
Today · 4.125%
HK$65,616
baseline
▲ 0.50% · 4.625%
HK$69,075
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,232/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,150
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,238
−HK$2,122/mo
Today · 4.125%
HK$71,360
baseline
▲ 0.50% · 4.625%
HK$75,703
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$142,720/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,703
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,707
−HK$2,032/mo
Today · 4.125%
HK$78,739
baseline
▲ 0.50% · 4.625%
HK$82,890
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$157,478/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,341
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,778
−HK$2,476/mo
Today · 4.125%
HK$83,254
baseline
▲ 0.50% · 4.625%
HK$88,320
+HK$5,066/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,508/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,042,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,154
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,491
−HK$2,371/mo
Today · 4.125%
HK$91,862
baseline
▲ 0.50% · 4.625%
HK$96,705
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,724/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,042,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,724
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,858
−HK$3,183/mo
Today · 4.125%
HK$107,041
baseline
▲ 0.50% · 4.625%
HK$113,554
+HK$6,513/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,082/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,055
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,060
−HK$3,049/mo
Today · 4.125%
HK$118,109
baseline
▲ 0.50% · 4.625%
HK$124,335
+HK$6,226/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,218/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,960 · Scale 2, in force from 26 Feb 2026)