LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,973
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,714
−HK$1,769/mo
Today · 4.125%
HK$59,483
baseline
▲ 0.50% · 4.625%
HK$63,103
+HK$3,620/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,966/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,270
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,940
−HK$1,694/mo
Today · 4.125%
HK$65,634
baseline
▲ 0.50% · 4.625%
HK$69,094
+HK$3,460/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,268/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,168
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,257
−HK$2,123/mo
Today · 4.125%
HK$71,380
baseline
▲ 0.50% · 4.625%
HK$75,723
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,760/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,724
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,728
−HK$2,033/mo
Today · 4.125%
HK$78,761
baseline
▲ 0.50% · 4.625%
HK$82,912
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,522/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,363
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,800
−HK$2,477/mo
Today · 4.125%
HK$83,277
baseline
▲ 0.50% · 4.625%
HK$88,344
+HK$5,067/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,554/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,178
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,516
−HK$2,372/mo
Today · 4.125%
HK$91,888
baseline
▲ 0.50% · 4.625%
HK$96,731
+HK$4,843/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,776/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,752
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,886
−HK$3,184/mo
Today · 4.125%
HK$107,070
baseline
▲ 0.50% · 4.625%
HK$113,585
+HK$6,515/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,140/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,086
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,092
−HK$3,049/mo
Today · 4.125%
HK$118,141
baseline
▲ 0.50% · 4.625%
HK$124,369
+HK$6,228/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,282/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,246 · Scale 2, in force from 26 Feb 2026)