LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,009
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,751
−HK$1,770/mo
Today · 4.125%
HK$59,521
baseline
▲ 0.50% · 4.625%
HK$63,143
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,042/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,043,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,309
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,980
−HK$1,696/mo
Today · 4.125%
HK$65,676
baseline
▲ 0.50% · 4.625%
HK$69,138
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,352/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,043,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,211
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,301
−HK$2,124/mo
Today · 4.125%
HK$71,425
baseline
▲ 0.50% · 4.625%
HK$75,771
+HK$4,346/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,850/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,771
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,777
−HK$2,034/mo
Today · 4.125%
HK$78,811
baseline
▲ 0.50% · 4.625%
HK$82,965
+HK$4,154/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,622/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,412
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,852
−HK$2,478/mo
Today · 4.125%
HK$83,330
baseline
▲ 0.50% · 4.625%
HK$88,400
+HK$5,070/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,660/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,233
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,573
−HK$2,373/mo
Today · 4.125%
HK$91,946
baseline
▲ 0.50% · 4.625%
HK$96,793
+HK$4,847/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,892/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,816
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,952
−HK$3,186/mo
Today · 4.125%
HK$107,138
baseline
▲ 0.50% · 4.625%
HK$113,657
+HK$6,519/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,276/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,157
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$115,165
−HK$3,051/mo
Today · 4.125%
HK$118,216
baseline
▲ 0.50% · 4.625%
HK$124,448
+HK$6,232/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,432/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,909 · Scale 2, in force from 26 Feb 2026)