LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,007
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,749
−HK$1,770/mo
Today · 4.125%
HK$59,519
baseline
▲ 0.50% · 4.625%
HK$63,140
+HK$3,621/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,038/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,043,867 · 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$69,135
+HK$3,462/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$1,043,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,208
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,299
−HK$2,124/mo
Today · 4.125%
HK$71,423
baseline
▲ 0.50% · 4.625%
HK$75,768
+HK$4,345/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$142,846/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,768
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,773
−HK$2,035/mo
Today · 4.125%
HK$78,808
baseline
▲ 0.50% · 4.625%
HK$82,962
+HK$4,154/mo
Deposit HK$9.82M · loan HK$14.74M · min. income ≈ HK$157,616/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,867 · 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$88,397
+HK$5,071/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$1,043,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,230
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,569
−HK$2,373/mo
Today · 4.125%
HK$91,942
baseline
▲ 0.50% · 4.625%
HK$96,789
+HK$4,847/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$1,043,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,812
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,948
−HK$3,186/mo
Today · 4.125%
HK$107,134
baseline
▲ 0.50% · 4.625%
HK$113,653
+HK$6,519/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,268/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,152
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,160
−HK$3,052/mo
Today · 4.125%
HK$118,212
baseline
▲ 0.50% · 4.625%
HK$124,443
+HK$6,231/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,424/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,867 · Scale 2, in force from 26 Feb 2026)