LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,993
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,734
−HK$1,770/mo
Today · 4.125%
HK$59,504
baseline
▲ 0.50% · 4.625%
HK$63,125
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,008/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,291
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,962
−HK$1,695/mo
Today · 4.125%
HK$65,657
baseline
▲ 0.50% · 4.625%
HK$69,118
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,314/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,191
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,281
−HK$2,124/mo
Today · 4.125%
HK$71,405
baseline
▲ 0.50% · 4.625%
HK$75,750
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,810/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,750
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,754
−HK$2,034/mo
Today · 4.125%
HK$78,788
baseline
▲ 0.50% · 4.625%
HK$82,941
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,576/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,390
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,828
−HK$2,478/mo
Today · 4.125%
HK$83,306
baseline
▲ 0.50% · 4.625%
HK$88,375
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,612/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,208
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,547
−HK$2,372/mo
Today · 4.125%
HK$91,919
baseline
▲ 0.50% · 4.625%
HK$96,765
+HK$4,846/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$1,043,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,787
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,922
−HK$3,185/mo
Today · 4.125%
HK$107,107
baseline
▲ 0.50% · 4.625%
HK$113,624
+HK$6,517/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,214/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,124
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,132
−HK$3,050/mo
Today · 4.125%
HK$118,182
baseline
▲ 0.50% · 4.625%
HK$124,412
+HK$6,230/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,364/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,608 · Scale 2, in force from 26 Feb 2026)