LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,857
−HK$3,502/mo
▼ 0.25% · 3.875%
HK$57,594
−HK$1,765/mo
Today · 4.125%
HK$59,359
baseline
▲ 0.50% · 4.625%
HK$62,971
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,718/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,140
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,806
−HK$1,691/mo
Today · 4.125%
HK$65,497
baseline
▲ 0.50% · 4.625%
HK$68,949
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,994/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,028
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,113
−HK$2,118/mo
Today · 4.125%
HK$71,231
baseline
▲ 0.50% · 4.625%
HK$75,565
+HK$4,334/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,462/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,568
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,568
−HK$2,028/mo
Today · 4.125%
HK$78,596
baseline
▲ 0.50% · 4.625%
HK$82,739
+HK$4,143/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,192/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,199
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,632
−HK$2,471/mo
Today · 4.125%
HK$83,103
baseline
▲ 0.50% · 4.625%
HK$88,160
+HK$5,057/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,206/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,996
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,329
−HK$2,367/mo
Today · 4.125%
HK$91,696
baseline
▲ 0.50% · 4.625%
HK$96,529
+HK$4,833/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,392/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,542
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,669
−HK$3,178/mo
Today · 4.125%
HK$106,847
baseline
▲ 0.50% · 4.625%
HK$113,348
+HK$6,501/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,694/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,852
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,851
−HK$3,044/mo
Today · 4.125%
HK$117,895
baseline
▲ 0.50% · 4.625%
HK$124,109
+HK$6,214/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,790/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,068 · Scale 2, in force from 26 Feb 2026)