LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,995
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,737
−HK$1,769/mo
Today · 4.125%
HK$59,506
baseline
▲ 0.50% · 4.625%
HK$63,127
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,012/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,294
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,964
−HK$1,695/mo
Today · 4.125%
HK$65,659
baseline
▲ 0.50% · 4.625%
HK$69,120
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,318/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,194
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,284
−HK$2,124/mo
Today · 4.125%
HK$71,408
baseline
▲ 0.50% · 4.625%
HK$75,752
+HK$4,344/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,816/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,752
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,757
−HK$2,034/mo
Today · 4.125%
HK$78,791
baseline
▲ 0.50% · 4.625%
HK$82,944
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,582/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,393
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,831
−HK$2,478/mo
Today · 4.125%
HK$83,309
baseline
▲ 0.50% · 4.625%
HK$88,378
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,618/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,211
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,550
−HK$2,373/mo
Today · 4.125%
HK$91,923
baseline
▲ 0.50% · 4.625%
HK$96,768
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,846/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,791
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,926
−HK$3,185/mo
Today · 4.125%
HK$107,111
baseline
▲ 0.50% · 4.625%
HK$113,629
+HK$6,518/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,222/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,129
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,136
−HK$3,051/mo
Today · 4.125%
HK$118,187
baseline
▲ 0.50% · 4.625%
HK$124,416
+HK$6,229/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,374/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,647 · Scale 2, in force from 26 Feb 2026)