LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,855
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,592
−HK$1,765/mo
Today · 4.125%
HK$59,357
baseline
▲ 0.50% · 4.625%
HK$62,969
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,714/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,138
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,804
−HK$1,691/mo
Today · 4.125%
HK$65,495
baseline
▲ 0.50% · 4.625%
HK$68,947
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,990/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,026
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,110
−HK$2,119/mo
Today · 4.125%
HK$71,229
baseline
▲ 0.50% · 4.625%
HK$75,563
+HK$4,334/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,458/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,565
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,565
−HK$2,029/mo
Today · 4.125%
HK$78,594
baseline
▲ 0.50% · 4.625%
HK$82,737
+HK$4,143/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,188/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,197
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,629
−HK$2,471/mo
Today · 4.125%
HK$83,100
baseline
▲ 0.50% · 4.625%
HK$88,157
+HK$5,057/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,200/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,993
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,326
−HK$2,367/mo
Today · 4.125%
HK$91,693
baseline
▲ 0.50% · 4.625%
HK$96,526
+HK$4,833/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,386/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,538
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,666
−HK$3,177/mo
Today · 4.125%
HK$106,843
baseline
▲ 0.50% · 4.625%
HK$113,344
+HK$6,501/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,686/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,848
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,848
−HK$3,043/mo
Today · 4.125%
HK$117,891
baseline
▲ 0.50% · 4.625%
HK$124,105
+HK$6,214/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,782/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,034 · Scale 2, in force from 26 Feb 2026)