LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,986
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,727
−HK$1,769/mo
Today · 4.125%
HK$59,496
baseline
▲ 0.50% · 4.625%
HK$63,117
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$118,992/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,283
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,954
−HK$1,694/mo
Today · 4.125%
HK$65,648
baseline
▲ 0.50% · 4.625%
HK$69,109
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,296/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,183
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,273
−HK$2,123/mo
Today · 4.125%
HK$71,396
baseline
▲ 0.50% · 4.625%
HK$75,740
+HK$4,344/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,792/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,740
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,745
−HK$2,033/mo
Today · 4.125%
HK$78,778
baseline
▲ 0.50% · 4.625%
HK$82,931
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,556/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,380
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,818
−HK$2,477/mo
Today · 4.125%
HK$83,295
baseline
▲ 0.50% · 4.625%
HK$88,363
+HK$5,068/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,590/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,197
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,535
−HK$2,373/mo
Today · 4.125%
HK$91,908
baseline
▲ 0.50% · 4.625%
HK$96,752
+HK$4,844/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,816/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,774
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,909
−HK$3,185/mo
Today · 4.125%
HK$107,094
baseline
▲ 0.50% · 4.625%
HK$113,610
+HK$6,516/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,188/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,110
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,117
−HK$3,050/mo
Today · 4.125%
HK$118,167
baseline
▲ 0.50% · 4.625%
HK$124,396
+HK$6,229/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,334/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,475 · Scale 2, in force from 26 Feb 2026)