LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,977
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,718
−HK$1,769/mo
Today · 4.125%
HK$59,487
baseline
▲ 0.50% · 4.625%
HK$63,107
+HK$3,620/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,974/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,274
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,944
−HK$1,694/mo
Today · 4.125%
HK$65,638
baseline
▲ 0.50% · 4.625%
HK$69,098
+HK$3,460/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,276/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,172
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,262
−HK$2,122/mo
Today · 4.125%
HK$71,384
baseline
▲ 0.50% · 4.625%
HK$75,728
+HK$4,344/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,768/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,728
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,732
−HK$2,034/mo
Today · 4.125%
HK$78,766
baseline
▲ 0.50% · 4.625%
HK$82,917
+HK$4,151/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,532/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,367
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,805
−HK$2,477/mo
Today · 4.125%
HK$83,282
baseline
▲ 0.50% · 4.625%
HK$88,349
+HK$5,067/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,564/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,183
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,521
−HK$2,372/mo
Today · 4.125%
HK$91,893
baseline
▲ 0.50% · 4.625%
HK$96,737
+HK$4,844/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,786/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,758
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$103,892
−HK$3,185/mo
Today · 4.125%
HK$107,077
baseline
▲ 0.50% · 4.625%
HK$113,592
+HK$6,515/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,154/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,092
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,099
−HK$3,049/mo
Today · 4.125%
HK$118,148
baseline
▲ 0.50% · 4.625%
HK$124,376
+HK$6,228/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,296/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,310 · Scale 2, in force from 26 Feb 2026)