LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,967
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,708
−HK$1,769/mo
Today · 4.125%
HK$59,477
baseline
▲ 0.50% · 4.625%
HK$63,096
+HK$3,619/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,954/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,263
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,933
−HK$1,694/mo
Today · 4.125%
HK$65,627
baseline
▲ 0.50% · 4.625%
HK$69,086
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,254/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,161
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,250
−HK$2,123/mo
Today · 4.125%
HK$71,373
baseline
▲ 0.50% · 4.625%
HK$75,715
+HK$4,342/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,746/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,716
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,720
−HK$2,033/mo
Today · 4.125%
HK$78,753
baseline
▲ 0.50% · 4.625%
HK$82,904
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,506/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,354
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,792
−HK$2,476/mo
Today · 4.125%
HK$83,268
baseline
▲ 0.50% · 4.625%
HK$88,335
+HK$5,067/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,536/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,169
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,506
−HK$2,372/mo
Today · 4.125%
HK$91,878
baseline
▲ 0.50% · 4.625%
HK$96,721
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,756/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,741
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,875
−HK$3,184/mo
Today · 4.125%
HK$107,059
baseline
▲ 0.50% · 4.625%
HK$113,573
+HK$6,514/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,118/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,074
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,080
−HK$3,049/mo
Today · 4.125%
HK$118,129
baseline
▲ 0.50% · 4.625%
HK$124,356
+HK$6,227/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,258/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,137 · Scale 2, in force from 26 Feb 2026)