LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,980
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,721
−HK$1,769/mo
Today · 4.125%
HK$59,490
baseline
▲ 0.50% · 4.625%
HK$63,110
+HK$3,620/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$118,980/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,277
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,947
−HK$1,695/mo
Today · 4.125%
HK$65,642
baseline
▲ 0.50% · 4.625%
HK$69,102
+HK$3,460/mo
Deposit HK$12.27M · loan HK$12.27M · min. income ≈ HK$131,284/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,176
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,265
−HK$2,123/mo
Today · 4.125%
HK$71,388
baseline
▲ 0.50% · 4.625%
HK$75,732
+HK$4,344/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,776/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,732
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,737
−HK$2,033/mo
Today · 4.125%
HK$78,770
baseline
▲ 0.50% · 4.625%
HK$82,922
+HK$4,152/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,540/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,372
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,810
−HK$2,476/mo
Today · 4.125%
HK$83,286
baseline
▲ 0.50% · 4.625%
HK$88,354
+HK$5,068/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$166,572/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,188
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,526
−HK$2,372/mo
Today · 4.125%
HK$91,898
baseline
▲ 0.50% · 4.625%
HK$96,742
+HK$4,844/mo
Deposit HK$7.36M · loan HK$17.18M · min. income ≈ HK$183,796/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,764
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$103,898
−HK$3,185/mo
Today · 4.125%
HK$107,083
baseline
▲ 0.50% · 4.625%
HK$113,598
+HK$6,515/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$214,166/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,099
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$115,105
−HK$3,050/mo
Today · 4.125%
HK$118,155
baseline
▲ 0.50% · 4.625%
HK$124,383
+HK$6,228/mo
Deposit HK$2.45M · loan HK$22.09M · min. income ≈ HK$236,310/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,367 · Scale 2, in force from 26 Feb 2026)