LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,963
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,704
−HK$1,769/mo
Today · 4.125%
HK$59,473
baseline
▲ 0.50% · 4.625%
HK$63,091
+HK$3,618/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,946/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,043,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,259
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,928
−HK$1,694/mo
Today · 4.125%
HK$65,622
baseline
▲ 0.50% · 4.625%
HK$69,081
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,244/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,043,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,156
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,245
−HK$2,122/mo
Today · 4.125%
HK$71,367
baseline
▲ 0.50% · 4.625%
HK$75,710
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,734/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,710
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,714
−HK$2,033/mo
Today · 4.125%
HK$78,747
baseline
▲ 0.50% · 4.625%
HK$82,898
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,494/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,349
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,786
−HK$2,476/mo
Today · 4.125%
HK$83,262
baseline
▲ 0.50% · 4.625%
HK$88,328
+HK$5,066/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,524/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,162
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,500
−HK$2,371/mo
Today · 4.125%
HK$91,871
baseline
▲ 0.50% · 4.625%
HK$96,714
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,742/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,734
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,867
−HK$3,184/mo
Today · 4.125%
HK$107,051
baseline
▲ 0.50% · 4.625%
HK$113,565
+HK$6,514/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,102/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,066
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$115,071
−HK$3,049/mo
Today · 4.125%
HK$118,120
baseline
▲ 0.50% · 4.625%
HK$124,346
+HK$6,226/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,240/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,059 · Scale 2, in force from 26 Feb 2026)