LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,006
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,748
−HK$1,770/mo
Today · 4.125%
HK$59,518
baseline
▲ 0.50% · 4.625%
HK$63,140
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,036/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,307
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,978
−HK$1,695/mo
Today · 4.125%
HK$65,673
baseline
▲ 0.50% · 4.625%
HK$69,134
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,346/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,208
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,298
−HK$2,124/mo
Today · 4.125%
HK$71,422
baseline
▲ 0.50% · 4.625%
HK$75,768
+HK$4,346/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$142,844/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,768
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,773
−HK$2,034/mo
Today · 4.125%
HK$78,807
baseline
▲ 0.50% · 4.625%
HK$82,961
+HK$4,154/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$157,614/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,409
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,848
−HK$2,478/mo
Today · 4.125%
HK$83,326
baseline
▲ 0.50% · 4.625%
HK$88,396
+HK$5,070/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,652/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,229
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,569
−HK$2,373/mo
Today · 4.125%
HK$91,942
baseline
▲ 0.50% · 4.625%
HK$96,788
+HK$4,846/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,884/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,811
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,947
−HK$3,186/mo
Today · 4.125%
HK$107,133
baseline
▲ 0.50% · 4.625%
HK$113,652
+HK$6,519/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,266/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,152
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,160
−HK$3,051/mo
Today · 4.125%
HK$118,211
baseline
▲ 0.50% · 4.625%
HK$124,442
+HK$6,231/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,422/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,861 · Scale 2, in force from 26 Feb 2026)