LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,960
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,701
−HK$1,768/mo
Today · 4.125%
HK$59,469
baseline
▲ 0.50% · 4.625%
HK$63,088
+HK$3,619/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,938/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,043,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,255
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,925
−HK$1,694/mo
Today · 4.125%
HK$65,619
baseline
▲ 0.50% · 4.625%
HK$69,078
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,238/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,043,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,152
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,241
−HK$2,122/mo
Today · 4.125%
HK$71,363
baseline
▲ 0.50% · 4.625%
HK$75,706
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$142,726/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,706
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,710
−HK$2,032/mo
Today · 4.125%
HK$78,742
baseline
▲ 0.50% · 4.625%
HK$82,893
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.72M · min. income ≈ HK$157,484/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,344
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,781
−HK$2,476/mo
Today · 4.125%
HK$83,257
baseline
▲ 0.50% · 4.625%
HK$88,323
+HK$5,066/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,514/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,157
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,495
−HK$2,371/mo
Today · 4.125%
HK$91,866
baseline
▲ 0.50% · 4.625%
HK$96,709
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,732/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,728
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,862
−HK$3,183/mo
Today · 4.125%
HK$107,045
baseline
▲ 0.50% · 4.625%
HK$113,558
+HK$6,513/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,090/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,059
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,065
−HK$3,049/mo
Today · 4.125%
HK$118,114
baseline
▲ 0.50% · 4.625%
HK$124,340
+HK$6,226/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,228/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,002 · Scale 2, in force from 26 Feb 2026)