LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,002
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,744
−HK$1,770/mo
Today · 4.125%
HK$59,514
baseline
▲ 0.50% · 4.625%
HK$63,135
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,028/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,302
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,973
−HK$1,695/mo
Today · 4.125%
HK$65,668
baseline
▲ 0.50% · 4.625%
HK$69,129
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,336/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,202
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,293
−HK$2,124/mo
Today · 4.125%
HK$71,417
baseline
▲ 0.50% · 4.625%
HK$75,762
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$142,834/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,762
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,767
−HK$2,034/mo
Today · 4.125%
HK$78,801
baseline
▲ 0.50% · 4.625%
HK$82,955
+HK$4,154/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$157,602/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,403
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,842
−HK$2,477/mo
Today · 4.125%
HK$83,319
baseline
▲ 0.50% · 4.625%
HK$88,389
+HK$5,070/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,638/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,222
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,562
−HK$2,373/mo
Today · 4.125%
HK$91,935
baseline
▲ 0.50% · 4.625%
HK$96,781
+HK$4,846/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,870/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,804
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$103,939
−HK$3,186/mo
Today · 4.125%
HK$107,125
baseline
▲ 0.50% · 4.625%
HK$113,643
+HK$6,518/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$214,250/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,143
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,151
−HK$3,051/mo
Today · 4.125%
HK$118,202
baseline
▲ 0.50% · 4.625%
HK$124,432
+HK$6,230/mo
Deposit HK$2.46M · loan HK$22.10M · min. income ≈ HK$236,404/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,779 · Scale 2, in force from 26 Feb 2026)