LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,991
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,733
−HK$1,769/mo
Today · 4.125%
HK$59,502
baseline
▲ 0.50% · 4.625%
HK$63,123
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,004/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,290
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,960
−HK$1,695/mo
Today · 4.125%
HK$65,655
baseline
▲ 0.50% · 4.625%
HK$69,116
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,310/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,190
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,280
−HK$2,123/mo
Today · 4.125%
HK$71,403
baseline
▲ 0.50% · 4.625%
HK$75,748
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,806/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,748
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,752
−HK$2,034/mo
Today · 4.125%
HK$78,786
baseline
▲ 0.50% · 4.625%
HK$82,939
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,572/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,388
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,826
−HK$2,477/mo
Today · 4.125%
HK$83,303
baseline
▲ 0.50% · 4.625%
HK$88,372
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,606/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,206
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,545
−HK$2,372/mo
Today · 4.125%
HK$91,917
baseline
▲ 0.50% · 4.625%
HK$96,762
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,834/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,784
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,919
−HK$3,185/mo
Today · 4.125%
HK$107,104
baseline
▲ 0.50% · 4.625%
HK$113,621
+HK$6,517/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,208/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,122
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$115,129
−HK$3,050/mo
Today · 4.125%
HK$118,179
baseline
▲ 0.50% · 4.625%
HK$124,409
+HK$6,230/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,358/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,581 · Scale 2, in force from 26 Feb 2026)