LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,971
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,712
−HK$1,769/mo
Today · 4.125%
HK$59,481
baseline
▲ 0.50% · 4.625%
HK$63,101
+HK$3,620/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,962/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,268
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,938
−HK$1,694/mo
Today · 4.125%
HK$65,632
baseline
▲ 0.50% · 4.625%
HK$69,091
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,264/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,166
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,255
−HK$2,123/mo
Today · 4.125%
HK$71,378
baseline
▲ 0.50% · 4.625%
HK$75,721
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,756/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,721
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,725
−HK$2,033/mo
Today · 4.125%
HK$78,758
baseline
▲ 0.50% · 4.625%
HK$82,910
+HK$4,152/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,516/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,360
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,797
−HK$2,477/mo
Today · 4.125%
HK$83,274
baseline
▲ 0.50% · 4.625%
HK$88,341
+HK$5,067/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,548/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,175
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,513
−HK$2,371/mo
Today · 4.125%
HK$91,884
baseline
▲ 0.50% · 4.625%
HK$96,728
+HK$4,844/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,768/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,748
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,882
−HK$3,184/mo
Today · 4.125%
HK$107,066
baseline
▲ 0.50% · 4.625%
HK$113,581
+HK$6,515/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,132/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,082
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,088
−HK$3,049/mo
Today · 4.125%
HK$118,137
baseline
▲ 0.50% · 4.625%
HK$124,364
+HK$6,227/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,274/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,209 · Scale 2, in force from 26 Feb 2026)