LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,845
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,582
−HK$1,765/mo
Today · 4.125%
HK$59,347
baseline
▲ 0.50% · 4.625%
HK$62,958
+HK$3,611/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,694/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,127
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,793
−HK$1,691/mo
Today · 4.125%
HK$65,484
baseline
▲ 0.50% · 4.625%
HK$68,936
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,968/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,014
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,099
−HK$2,118/mo
Today · 4.125%
HK$71,217
baseline
▲ 0.50% · 4.625%
HK$75,550
+HK$4,333/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$142,434/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,553
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,552
−HK$2,029/mo
Today · 4.125%
HK$78,581
baseline
▲ 0.50% · 4.625%
HK$82,723
+HK$4,142/mo
Deposit HK$9.80M · loan HK$14.69M · min. income ≈ HK$157,162/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,183
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,615
−HK$2,471/mo
Today · 4.125%
HK$83,086
baseline
▲ 0.50% · 4.625%
HK$88,142
+HK$5,056/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,172/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,978
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,311
−HK$2,366/mo
Today · 4.125%
HK$91,677
baseline
▲ 0.50% · 4.625%
HK$96,510
+HK$4,833/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,354/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,521
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$103,648
−HK$3,177/mo
Today · 4.125%
HK$106,825
baseline
▲ 0.50% · 4.625%
HK$113,325
+HK$6,500/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,650/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,829
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,828
−HK$3,043/mo
Today · 4.125%
HK$117,871
baseline
▲ 0.50% · 4.625%
HK$124,084
+HK$6,213/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,742/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,858 · Scale 2, in force from 26 Feb 2026)