LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,854
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,591
−HK$1,765/mo
Today · 4.125%
HK$59,356
baseline
▲ 0.50% · 4.625%
HK$62,968
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,712/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,137
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,803
−HK$1,691/mo
Today · 4.125%
HK$65,494
baseline
▲ 0.50% · 4.625%
HK$68,946
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,988/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,025
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,110
−HK$2,118/mo
Today · 4.125%
HK$71,228
baseline
▲ 0.50% · 4.625%
HK$75,562
+HK$4,334/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,456/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,564
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,564
−HK$2,029/mo
Today · 4.125%
HK$78,593
baseline
▲ 0.50% · 4.625%
HK$82,736
+HK$4,143/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,186/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,196
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,628
−HK$2,471/mo
Today · 4.125%
HK$83,099
baseline
▲ 0.50% · 4.625%
HK$88,155
+HK$5,056/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,198/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,992
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,325
−HK$2,367/mo
Today · 4.125%
HK$91,692
baseline
▲ 0.50% · 4.625%
HK$96,525
+HK$4,833/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,384/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,537
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,664
−HK$3,178/mo
Today · 4.125%
HK$106,842
baseline
▲ 0.50% · 4.625%
HK$113,343
+HK$6,501/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,684/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,847
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,846
−HK$3,043/mo
Today · 4.125%
HK$117,889
baseline
▲ 0.50% · 4.625%
HK$124,103
+HK$6,214/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,778/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,021 · Scale 2, in force from 26 Feb 2026)