LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,848
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,585
−HK$1,765/mo
Today · 4.125%
HK$59,350
baseline
▲ 0.50% · 4.625%
HK$62,962
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,700/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,131
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$63,797
−HK$1,690/mo
Today · 4.125%
HK$65,487
baseline
▲ 0.50% · 4.625%
HK$68,939
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,974/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,018
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,103
−HK$2,118/mo
Today · 4.125%
HK$71,221
baseline
▲ 0.50% · 4.625%
HK$75,554
+HK$4,333/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,442/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,557
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,556
−HK$2,029/mo
Today · 4.125%
HK$78,585
baseline
▲ 0.50% · 4.625%
HK$82,727
+HK$4,142/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,170/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,188
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,620
−HK$2,471/mo
Today · 4.125%
HK$83,091
baseline
▲ 0.50% · 4.625%
HK$88,147
+HK$5,056/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$166,182/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,983
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,316
−HK$2,366/mo
Today · 4.125%
HK$91,682
baseline
▲ 0.50% · 4.625%
HK$96,515
+HK$4,833/mo
Deposit HK$7.35M · loan HK$17.14M · min. income ≈ HK$183,364/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,527
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$103,654
−HK$3,177/mo
Today · 4.125%
HK$106,831
baseline
▲ 0.50% · 4.625%
HK$113,331
+HK$6,500/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,662/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,835
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,835
−HK$3,042/mo
Today · 4.125%
HK$117,877
baseline
▲ 0.50% · 4.625%
HK$124,091
+HK$6,214/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,754/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,915 · Scale 2, in force from 26 Feb 2026)