LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,992
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,734
−HK$1,769/mo
Today · 4.125%
HK$59,503
baseline
▲ 0.50% · 4.625%
HK$63,124
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,006/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,291
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,961
−HK$1,695/mo
Today · 4.125%
HK$65,656
baseline
▲ 0.50% · 4.625%
HK$69,117
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,312/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,191
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,281
−HK$2,123/mo
Today · 4.125%
HK$71,404
baseline
▲ 0.50% · 4.625%
HK$75,749
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,808/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,749
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,754
−HK$2,033/mo
Today · 4.125%
HK$78,787
baseline
▲ 0.50% · 4.625%
HK$82,940
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,574/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,389
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,827
−HK$2,478/mo
Today · 4.125%
HK$83,305
baseline
▲ 0.50% · 4.625%
HK$88,374
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,610/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,207
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,546
−HK$2,373/mo
Today · 4.125%
HK$91,919
baseline
▲ 0.50% · 4.625%
HK$96,764
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,838/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,786
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,921
−HK$3,185/mo
Today · 4.125%
HK$107,106
baseline
▲ 0.50% · 4.625%
HK$113,623
+HK$6,517/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,212/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,123
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,130
−HK$3,051/mo
Today · 4.125%
HK$118,181
baseline
▲ 0.50% · 4.625%
HK$124,411
+HK$6,230/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,362/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,598 · Scale 2, in force from 26 Feb 2026)