LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,850
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,588
−HK$1,765/mo
Today · 4.125%
HK$59,353
baseline
▲ 0.50% · 4.625%
HK$62,964
+HK$3,611/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,706/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,133
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,799
−HK$1,691/mo
Today · 4.125%
HK$65,490
baseline
▲ 0.50% · 4.625%
HK$68,942
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,980/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,020
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,105
−HK$2,118/mo
Today · 4.125%
HK$71,223
baseline
▲ 0.50% · 4.625%
HK$75,557
+HK$4,334/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,446/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,560
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,559
−HK$2,029/mo
Today · 4.125%
HK$78,588
baseline
▲ 0.50% · 4.625%
HK$82,730
+HK$4,142/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,176/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,190
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,623
−HK$2,471/mo
Today · 4.125%
HK$83,094
baseline
▲ 0.50% · 4.625%
HK$88,150
+HK$5,056/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,188/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,986
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,319
−HK$2,367/mo
Today · 4.125%
HK$91,686
baseline
▲ 0.50% · 4.625%
HK$96,519
+HK$4,833/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,372/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,531
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$103,658
−HK$3,177/mo
Today · 4.125%
HK$106,835
baseline
▲ 0.50% · 4.625%
HK$113,335
+HK$6,500/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,670/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,839
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,839
−HK$3,043/mo
Today · 4.125%
HK$117,882
baseline
▲ 0.50% · 4.625%
HK$124,095
+HK$6,213/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,764/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,953 · Scale 2, in force from 26 Feb 2026)