LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,968
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,709
−HK$1,769/mo
Today · 4.125%
HK$59,478
baseline
▲ 0.50% · 4.625%
HK$63,097
+HK$3,619/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,956/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,264
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,934
−HK$1,694/mo
Today · 4.125%
HK$65,628
baseline
▲ 0.50% · 4.625%
HK$69,088
+HK$3,460/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,256/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,162
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,251
−HK$2,123/mo
Today · 4.125%
HK$71,374
baseline
▲ 0.50% · 4.625%
HK$75,717
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,748/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,717
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,721
−HK$2,033/mo
Today · 4.125%
HK$78,754
baseline
▲ 0.50% · 4.625%
HK$82,905
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,508/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,356
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,793
−HK$2,476/mo
Today · 4.125%
HK$83,269
baseline
▲ 0.50% · 4.625%
HK$88,336
+HK$5,067/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,538/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,170
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,508
−HK$2,372/mo
Today · 4.125%
HK$91,880
baseline
▲ 0.50% · 4.625%
HK$96,723
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,760/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,743
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,877
−HK$3,184/mo
Today · 4.125%
HK$107,061
baseline
▲ 0.50% · 4.625%
HK$113,575
+HK$6,514/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,122/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,076
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,082
−HK$3,049/mo
Today · 4.125%
HK$118,131
baseline
▲ 0.50% · 4.625%
HK$124,358
+HK$6,227/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,262/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,155 · Scale 2, in force from 26 Feb 2026)