LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,979
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,720
−HK$1,769/mo
Today · 4.125%
HK$59,489
baseline
▲ 0.50% · 4.625%
HK$63,109
+HK$3,620/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,978/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,276
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,946
−HK$1,694/mo
Today · 4.125%
HK$65,640
baseline
▲ 0.50% · 4.625%
HK$69,100
+HK$3,460/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,280/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,174
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,264
−HK$2,123/mo
Today · 4.125%
HK$71,387
baseline
▲ 0.50% · 4.625%
HK$75,730
+HK$4,343/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,774/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,731
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,735
−HK$2,033/mo
Today · 4.125%
HK$78,768
baseline
▲ 0.50% · 4.625%
HK$82,920
+HK$4,152/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,536/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,370
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,808
−HK$2,477/mo
Today · 4.125%
HK$83,285
baseline
▲ 0.50% · 4.625%
HK$88,352
+HK$5,067/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,570/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,186
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,524
−HK$2,372/mo
Today · 4.125%
HK$91,896
baseline
▲ 0.50% · 4.625%
HK$96,740
+HK$4,844/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,792/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,762
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$103,896
−HK$3,184/mo
Today · 4.125%
HK$107,080
baseline
▲ 0.50% · 4.625%
HK$113,596
+HK$6,516/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,160/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,096
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,103
−HK$3,049/mo
Today · 4.125%
HK$118,152
baseline
▲ 0.50% · 4.625%
HK$124,380
+HK$6,228/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,304/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,344 · Scale 2, in force from 26 Feb 2026)