LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,996
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,738
−HK$1,769/mo
Today · 4.125%
HK$59,507
baseline
▲ 0.50% · 4.625%
HK$63,128
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,014/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,295
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,966
−HK$1,695/mo
Today · 4.125%
HK$65,661
baseline
▲ 0.50% · 4.625%
HK$69,122
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,322/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,195
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,285
−HK$2,124/mo
Today · 4.125%
HK$71,409
baseline
▲ 0.50% · 4.625%
HK$75,754
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,818/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,754
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,759
−HK$2,034/mo
Today · 4.125%
HK$78,793
baseline
▲ 0.50% · 4.625%
HK$82,946
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,586/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,394
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,833
−HK$2,477/mo
Today · 4.125%
HK$83,310
baseline
▲ 0.50% · 4.625%
HK$88,380
+HK$5,070/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,620/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,213
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,552
−HK$2,373/mo
Today · 4.125%
HK$91,925
baseline
▲ 0.50% · 4.625%
HK$96,770
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,850/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,793
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$103,928
−HK$3,185/mo
Today · 4.125%
HK$107,113
baseline
▲ 0.50% · 4.625%
HK$113,631
+HK$6,518/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,226/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,131
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,138
−HK$3,051/mo
Today · 4.125%
HK$118,189
baseline
▲ 0.50% · 4.625%
HK$124,419
+HK$6,230/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,378/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,668 · Scale 2, in force from 26 Feb 2026)