LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,978
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,719
−HK$1,769/mo
Today · 4.125%
HK$59,488
baseline
▲ 0.50% · 4.625%
HK$63,108
+HK$3,620/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,976/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,275
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,945
−HK$1,694/mo
Today · 4.125%
HK$65,639
baseline
▲ 0.50% · 4.625%
HK$69,099
+HK$3,460/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,278/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,174
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,263
−HK$2,123/mo
Today · 4.125%
HK$71,386
baseline
▲ 0.50% · 4.625%
HK$75,730
+HK$4,344/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,772/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,730
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,734
−HK$2,033/mo
Today · 4.125%
HK$78,767
baseline
▲ 0.50% · 4.625%
HK$82,919
+HK$4,152/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,534/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,369
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,807
−HK$2,477/mo
Today · 4.125%
HK$83,284
baseline
▲ 0.50% · 4.625%
HK$88,351
+HK$5,067/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,568/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,185
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,523
−HK$2,372/mo
Today · 4.125%
HK$91,895
baseline
▲ 0.50% · 4.625%
HK$96,739
+HK$4,844/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,790/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,760
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$103,895
−HK$3,184/mo
Today · 4.125%
HK$107,079
baseline
▲ 0.50% · 4.625%
HK$113,594
+HK$6,515/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,158/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,095
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,101
−HK$3,050/mo
Today · 4.125%
HK$118,151
baseline
▲ 0.50% · 4.625%
HK$124,379
+HK$6,228/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,302/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,332 · Scale 2, in force from 26 Feb 2026)