LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,000
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,742
−HK$1,770/mo
Today · 4.125%
HK$59,512
baseline
▲ 0.50% · 4.625%
HK$63,133
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,024/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,300
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,970
−HK$1,695/mo
Today · 4.125%
HK$65,665
baseline
▲ 0.50% · 4.625%
HK$69,127
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,330/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,200
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,290
−HK$2,124/mo
Today · 4.125%
HK$71,414
baseline
▲ 0.50% · 4.625%
HK$75,760
+HK$4,346/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$142,828/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,759
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,764
−HK$2,034/mo
Today · 4.125%
HK$78,798
baseline
▲ 0.50% · 4.625%
HK$82,952
+HK$4,154/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$157,596/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,400
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,839
−HK$2,478/mo
Today · 4.125%
HK$83,317
baseline
▲ 0.50% · 4.625%
HK$88,386
+HK$5,069/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,634/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,219
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,559
−HK$2,373/mo
Today · 4.125%
HK$91,932
baseline
▲ 0.50% · 4.625%
HK$96,777
+HK$4,845/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,864/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,800
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,936
−HK$3,185/mo
Today · 4.125%
HK$107,121
baseline
▲ 0.50% · 4.625%
HK$113,639
+HK$6,518/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,242/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,139
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,147
−HK$3,051/mo
Today · 4.125%
HK$118,198
baseline
▲ 0.50% · 4.625%
HK$124,428
+HK$6,230/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,396/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,745 · Scale 2, in force from 26 Feb 2026)