LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,852
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,589
−HK$1,765/mo
Today · 4.125%
HK$59,354
baseline
▲ 0.50% · 4.625%
HK$62,966
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,708/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,135
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,801
−HK$1,691/mo
Today · 4.125%
HK$65,492
baseline
▲ 0.50% · 4.625%
HK$68,944
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,984/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,040,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,022
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,107
−HK$2,118/mo
Today · 4.125%
HK$71,225
baseline
▲ 0.50% · 4.625%
HK$75,559
+HK$4,334/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,450/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,562
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,561
−HK$2,029/mo
Today · 4.125%
HK$78,590
baseline
▲ 0.50% · 4.625%
HK$82,733
+HK$4,143/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,180/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,040,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,193
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,625
−HK$2,471/mo
Today · 4.125%
HK$83,096
baseline
▲ 0.50% · 4.625%
HK$88,152
+HK$5,056/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,192/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,989
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,322
−HK$2,366/mo
Today · 4.125%
HK$91,688
baseline
▲ 0.50% · 4.625%
HK$96,521
+HK$4,833/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,376/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,040,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,533
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,661
−HK$3,177/mo
Today · 4.125%
HK$106,838
baseline
▲ 0.50% · 4.625%
HK$113,339
+HK$6,501/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$213,676/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,842
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,842
−HK$3,043/mo
Today · 4.125%
HK$117,885
baseline
▲ 0.50% · 4.625%
HK$124,099
+HK$6,214/mo
Deposit HK$2.45M · loan HK$22.04M · min. income ≈ HK$235,770/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,040,983 · Scale 2, in force from 26 Feb 2026)