LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,959
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,699
−HK$1,769/mo
Today · 4.125%
HK$59,468
baseline
▲ 0.50% · 4.625%
HK$63,086
+HK$3,618/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,936/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,253
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,923
−HK$1,694/mo
Today · 4.125%
HK$65,617
baseline
▲ 0.50% · 4.625%
HK$69,076
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,234/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,042,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,150
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,239
−HK$2,122/mo
Today · 4.125%
HK$71,361
baseline
▲ 0.50% · 4.625%
HK$75,704
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$142,722/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,704
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,708
−HK$2,032/mo
Today · 4.125%
HK$78,740
baseline
▲ 0.50% · 4.625%
HK$82,891
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$157,480/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,042,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,342
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,779
−HK$2,476/mo
Today · 4.125%
HK$83,255
baseline
▲ 0.50% · 4.625%
HK$88,321
+HK$5,066/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,510/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,042,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,155
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,492
−HK$2,372/mo
Today · 4.125%
HK$91,864
baseline
▲ 0.50% · 4.625%
HK$96,706
+HK$4,842/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,728/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,042,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,726
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$103,859
−HK$3,183/mo
Today · 4.125%
HK$107,042
baseline
▲ 0.50% · 4.625%
HK$113,555
+HK$6,513/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,084/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,056
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,062
−HK$3,048/mo
Today · 4.125%
HK$118,110
baseline
▲ 0.50% · 4.625%
HK$124,336
+HK$6,226/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,220/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,042,973 · Scale 2, in force from 26 Feb 2026)