LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,990
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,732
−HK$1,769/mo
Today · 4.125%
HK$59,501
baseline
▲ 0.50% · 4.625%
HK$63,122
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,002/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,289
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,959
−HK$1,695/mo
Today · 4.125%
HK$65,654
baseline
▲ 0.50% · 4.625%
HK$69,115
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,308/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,188
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,278
−HK$2,124/mo
Today · 4.125%
HK$71,402
baseline
▲ 0.50% · 4.625%
HK$75,746
+HK$4,344/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,804/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,746
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,751
−HK$2,034/mo
Today · 4.125%
HK$78,785
baseline
▲ 0.50% · 4.625%
HK$82,938
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,570/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,386
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,825
−HK$2,477/mo
Today · 4.125%
HK$83,302
baseline
▲ 0.50% · 4.625%
HK$88,371
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,604/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,204
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,543
−HK$2,373/mo
Today · 4.125%
HK$91,916
baseline
▲ 0.50% · 4.625%
HK$96,761
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,832/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,783
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,918
−HK$3,185/mo
Today · 4.125%
HK$107,103
baseline
▲ 0.50% · 4.625%
HK$113,619
+HK$6,516/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,206/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,120
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,127
−HK$3,050/mo
Today · 4.125%
HK$118,177
baseline
▲ 0.50% · 4.625%
HK$124,406
+HK$6,229/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,354/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,563 · Scale 2, in force from 26 Feb 2026)