LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,972
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,713
−HK$1,769/mo
Today · 4.125%
HK$59,482
baseline
▲ 0.50% · 4.625%
HK$63,102
+HK$3,620/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,964/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,269
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,939
−HK$1,694/mo
Today · 4.125%
HK$65,633
baseline
▲ 0.50% · 4.625%
HK$69,092
+HK$3,459/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,266/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,167
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,256
−HK$2,123/mo
Today · 4.125%
HK$71,379
baseline
▲ 0.50% · 4.625%
HK$75,722
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,758/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,722
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,726
−HK$2,033/mo
Today · 4.125%
HK$78,759
baseline
▲ 0.50% · 4.625%
HK$82,911
+HK$4,152/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,518/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,361
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,799
−HK$2,476/mo
Today · 4.125%
HK$83,275
baseline
▲ 0.50% · 4.625%
HK$88,342
+HK$5,067/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,550/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,176
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,514
−HK$2,372/mo
Today · 4.125%
HK$91,886
baseline
▲ 0.50% · 4.625%
HK$96,729
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,772/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,750
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,884
−HK$3,184/mo
Today · 4.125%
HK$107,068
baseline
▲ 0.50% · 4.625%
HK$113,583
+HK$6,515/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,136/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,083
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,089
−HK$3,050/mo
Today · 4.125%
HK$118,139
baseline
▲ 0.50% · 4.625%
HK$124,366
+HK$6,227/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,278/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,225 · Scale 2, in force from 26 Feb 2026)