LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,012
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,754
−HK$1,770/mo
Today · 4.125%
HK$59,524
baseline
▲ 0.50% · 4.625%
HK$63,146
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,048/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,043,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,312
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,984
−HK$1,695/mo
Today · 4.125%
HK$65,679
baseline
▲ 0.50% · 4.625%
HK$69,141
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,358/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,043,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,214
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,305
−HK$2,124/mo
Today · 4.125%
HK$71,429
baseline
▲ 0.50% · 4.625%
HK$75,775
+HK$4,346/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,858/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,775
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,780
−HK$2,035/mo
Today · 4.125%
HK$78,815
baseline
▲ 0.50% · 4.625%
HK$82,969
+HK$4,154/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,630/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,416
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,856
−HK$2,478/mo
Today · 4.125%
HK$83,334
baseline
▲ 0.50% · 4.625%
HK$88,404
+HK$5,070/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$166,668/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,237
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,577
−HK$2,374/mo
Today · 4.125%
HK$91,951
baseline
▲ 0.50% · 4.625%
HK$96,797
+HK$4,846/mo
Deposit HK$7.37M · loan HK$17.19M · min. income ≈ HK$183,902/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,821
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,957
−HK$3,186/mo
Today · 4.125%
HK$107,143
baseline
▲ 0.50% · 4.625%
HK$113,663
+HK$6,520/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,286/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,162
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,171
−HK$3,051/mo
Today · 4.125%
HK$118,222
baseline
▲ 0.50% · 4.625%
HK$124,454
+HK$6,232/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,444/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,961 · Scale 2, in force from 26 Feb 2026)