LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,013
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,755
−HK$1,770/mo
Today · 4.125%
HK$59,525
baseline
▲ 0.50% · 4.625%
HK$63,147
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,050/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,043,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,314
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,985
−HK$1,695/mo
Today · 4.125%
HK$65,680
baseline
▲ 0.50% · 4.625%
HK$69,143
+HK$3,463/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,360/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,043,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,216
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,306
−HK$2,125/mo
Today · 4.125%
HK$71,431
baseline
▲ 0.50% · 4.625%
HK$75,777
+HK$4,346/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,862/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,777
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,782
−HK$2,035/mo
Today · 4.125%
HK$78,817
baseline
▲ 0.50% · 4.625%
HK$82,971
+HK$4,154/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,634/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,043,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,418
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,857
−HK$2,479/mo
Today · 4.125%
HK$83,336
baseline
▲ 0.50% · 4.625%
HK$88,406
+HK$5,070/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,672/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,239
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,579
−HK$2,374/mo
Today · 4.125%
HK$91,953
baseline
▲ 0.50% · 4.625%
HK$96,800
+HK$4,847/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,906/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,043,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,823
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$103,960
−HK$3,186/mo
Today · 4.125%
HK$107,146
baseline
▲ 0.50% · 4.625%
HK$113,665
+HK$6,519/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,292/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,165
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,173
−HK$3,052/mo
Today · 4.125%
HK$118,225
baseline
▲ 0.50% · 4.625%
HK$124,457
+HK$6,232/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,450/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,043,984 · Scale 2, in force from 26 Feb 2026)