LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,988
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,729
−HK$1,770/mo
Today · 4.125%
HK$59,499
baseline
▲ 0.50% · 4.625%
HK$63,119
+HK$3,620/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$118,998/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,286
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,956
−HK$1,695/mo
Today · 4.125%
HK$65,651
baseline
▲ 0.50% · 4.625%
HK$69,112
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,302/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,186
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,275
−HK$2,124/mo
Today · 4.125%
HK$71,399
baseline
▲ 0.50% · 4.625%
HK$75,743
+HK$4,344/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,798/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,743
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,748
−HK$2,033/mo
Today · 4.125%
HK$78,781
baseline
▲ 0.50% · 4.625%
HK$82,934
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,562/mo (50% DSR)
Upfront cash ≈ HK$10.86M (deposit + AVD stamp duty HK$1,043,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,383
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,821
−HK$2,477/mo
Today · 4.125%
HK$83,298
baseline
▲ 0.50% · 4.625%
HK$88,367
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,596/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,200
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,539
−HK$2,373/mo
Today · 4.125%
HK$91,912
baseline
▲ 0.50% · 4.625%
HK$96,756
+HK$4,844/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,824/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,778
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,913
−HK$3,185/mo
Today · 4.125%
HK$107,098
baseline
▲ 0.50% · 4.625%
HK$113,615
+HK$6,517/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,196/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,115
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,122
−HK$3,050/mo
Today · 4.125%
HK$118,172
baseline
▲ 0.50% · 4.625%
HK$124,401
+HK$6,229/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,344/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,518 · Scale 2, in force from 26 Feb 2026)