LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,017
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,759
−HK$1,770/mo
Today · 4.125%
HK$59,529
baseline
▲ 0.50% · 4.625%
HK$63,151
+HK$3,622/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$119,058/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,318
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,989
−HK$1,696/mo
Today · 4.125%
HK$65,685
baseline
▲ 0.50% · 4.625%
HK$69,147
+HK$3,462/mo
Deposit HK$12.28M · loan HK$12.28M · min. income ≈ HK$131,370/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,044,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,220
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,311
−HK$2,124/mo
Today · 4.125%
HK$71,435
baseline
▲ 0.50% · 4.625%
HK$75,782
+HK$4,347/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$142,870/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,781
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$76,787
−HK$2,035/mo
Today · 4.125%
HK$78,822
baseline
▲ 0.50% · 4.625%
HK$82,976
+HK$4,154/mo
Deposit HK$9.83M · loan HK$14.74M · min. income ≈ HK$157,644/mo (50% DSR)
Upfront cash ≈ HK$10.87M (deposit + AVD stamp duty HK$1,044,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,423
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,863
−HK$2,478/mo
Today · 4.125%
HK$83,341
baseline
▲ 0.50% · 4.625%
HK$88,412
+HK$5,071/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$166,682/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,245
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,585
−HK$2,374/mo
Today · 4.125%
HK$91,959
baseline
▲ 0.50% · 4.625%
HK$96,806
+HK$4,847/mo
Deposit HK$7.37M · loan HK$17.20M · min. income ≈ HK$183,918/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$1,044,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,830
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$103,966
−HK$3,187/mo
Today · 4.125%
HK$107,153
baseline
▲ 0.50% · 4.625%
HK$113,673
+HK$6,520/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$214,306/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,172
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,181
−HK$3,051/mo
Today · 4.125%
HK$118,232
baseline
▲ 0.50% · 4.625%
HK$124,465
+HK$6,233/mo
Deposit HK$2.46M · loan HK$22.11M · min. income ≈ HK$236,464/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$1,044,051 · Scale 2, in force from 26 Feb 2026)