LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,998
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,740
−HK$1,770/mo
Today · 4.125%
HK$59,510
baseline
▲ 0.50% · 4.625%
HK$63,131
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,020/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,298
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,968
−HK$1,695/mo
Today · 4.125%
HK$65,663
baseline
▲ 0.50% · 4.625%
HK$69,125
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,326/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,198
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,288
−HK$2,124/mo
Today · 4.125%
HK$71,412
baseline
▲ 0.50% · 4.625%
HK$75,757
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$142,824/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,757
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,762
−HK$2,034/mo
Today · 4.125%
HK$78,796
baseline
▲ 0.50% · 4.625%
HK$82,949
+HK$4,153/mo
Deposit HK$9.82M · loan HK$14.73M · min. income ≈ HK$157,592/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,398
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,836
−HK$2,478/mo
Today · 4.125%
HK$83,314
baseline
▲ 0.50% · 4.625%
HK$88,383
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,628/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,217
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,556
−HK$2,373/mo
Today · 4.125%
HK$91,929
baseline
▲ 0.50% · 4.625%
HK$96,774
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,858/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,797
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,932
−HK$3,186/mo
Today · 4.125%
HK$107,118
baseline
▲ 0.50% · 4.625%
HK$113,636
+HK$6,518/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,236/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,136
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$115,143
−HK$3,051/mo
Today · 4.125%
HK$118,194
baseline
▲ 0.50% · 4.625%
HK$124,424
+HK$6,230/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,388/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,712 · Scale 2, in force from 26 Feb 2026)