LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,970
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,711
−HK$1,769/mo
Today · 4.125%
HK$59,480
baseline
▲ 0.50% · 4.625%
HK$63,099
+HK$3,619/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,960/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,266
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,936
−HK$1,694/mo
Today · 4.125%
HK$65,630
baseline
▲ 0.50% · 4.625%
HK$69,089
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,260/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,164
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$69,253
−HK$2,122/mo
Today · 4.125%
HK$71,375
baseline
▲ 0.50% · 4.625%
HK$75,718
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,750/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,719
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,723
−HK$2,033/mo
Today · 4.125%
HK$78,756
baseline
▲ 0.50% · 4.625%
HK$82,907
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,512/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,358
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,795
−HK$2,476/mo
Today · 4.125%
HK$83,271
baseline
▲ 0.50% · 4.625%
HK$88,338
+HK$5,067/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,542/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,172
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,510
−HK$2,372/mo
Today · 4.125%
HK$91,882
baseline
▲ 0.50% · 4.625%
HK$96,725
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,764/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,746
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,879
−HK$3,184/mo
Today · 4.125%
HK$107,063
baseline
▲ 0.50% · 4.625%
HK$113,578
+HK$6,515/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,126/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,078
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,084
−HK$3,050/mo
Today · 4.125%
HK$118,134
baseline
▲ 0.50% · 4.625%
HK$124,361
+HK$6,227/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,268/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,179 · Scale 2, in force from 26 Feb 2026)