LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,964
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,705
−HK$1,769/mo
Today · 4.125%
HK$59,474
baseline
▲ 0.50% · 4.625%
HK$63,093
+HK$3,619/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,948/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,043,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,260
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,929
−HK$1,694/mo
Today · 4.125%
HK$65,623
baseline
▲ 0.50% · 4.625%
HK$69,082
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,246/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,043,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,157
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,246
−HK$2,122/mo
Today · 4.125%
HK$71,368
baseline
▲ 0.50% · 4.625%
HK$75,711
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,736/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,712
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$76,715
−HK$2,033/mo
Today · 4.125%
HK$78,748
baseline
▲ 0.50% · 4.625%
HK$82,899
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,496/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,350
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,787
−HK$2,476/mo
Today · 4.125%
HK$83,263
baseline
▲ 0.50% · 4.625%
HK$88,330
+HK$5,067/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,526/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,164
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,501
−HK$2,372/mo
Today · 4.125%
HK$91,873
baseline
▲ 0.50% · 4.625%
HK$96,715
+HK$4,842/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,746/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,736
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,869
−HK$3,184/mo
Today · 4.125%
HK$107,053
baseline
▲ 0.50% · 4.625%
HK$113,567
+HK$6,514/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,106/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,067
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,073
−HK$3,049/mo
Today · 4.125%
HK$118,122
baseline
▲ 0.50% · 4.625%
HK$124,348
+HK$6,226/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,244/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,076 · Scale 2, in force from 26 Feb 2026)