LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,010
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,752
−HK$1,770/mo
Today · 4.125%
HK$59,522
baseline
▲ 0.50% · 4.625%
HK$63,144
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,044/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,043,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,310
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,981
−HK$1,696/mo
Today · 4.125%
HK$65,677
baseline
▲ 0.50% · 4.625%
HK$69,138
+HK$3,461/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,354/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,043,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,212
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,302
−HK$2,124/mo
Today · 4.125%
HK$71,426
baseline
▲ 0.50% · 4.625%
HK$75,772
+HK$4,346/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,852/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,772
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,778
−HK$2,034/mo
Today · 4.125%
HK$78,812
baseline
▲ 0.50% · 4.625%
HK$82,966
+HK$4,154/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,624/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,413
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,853
−HK$2,478/mo
Today · 4.125%
HK$83,331
baseline
▲ 0.50% · 4.625%
HK$88,401
+HK$5,070/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,662/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,234
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,574
−HK$2,373/mo
Today · 4.125%
HK$91,947
baseline
▲ 0.50% · 4.625%
HK$96,794
+HK$4,847/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,894/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,817
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,953
−HK$3,186/mo
Today · 4.125%
HK$107,139
baseline
▲ 0.50% · 4.625%
HK$113,659
+HK$6,520/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,278/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,158
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,166
−HK$3,052/mo
Today · 4.125%
HK$118,218
baseline
▲ 0.50% · 4.625%
HK$124,449
+HK$6,231/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,436/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,922 · Scale 2, in force from 26 Feb 2026)