LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,858
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,595
−HK$1,766/mo
Today · 4.125%
HK$59,361
baseline
▲ 0.50% · 4.625%
HK$62,973
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,722/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,141
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,808
−HK$1,691/mo
Today · 4.125%
HK$65,499
baseline
▲ 0.50% · 4.625%
HK$68,951
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$130,998/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,030
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,115
−HK$2,118/mo
Today · 4.125%
HK$71,233
baseline
▲ 0.50% · 4.625%
HK$75,567
+HK$4,334/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,466/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,570
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$76,570
−HK$2,028/mo
Today · 4.125%
HK$78,598
baseline
▲ 0.50% · 4.625%
HK$82,741
+HK$4,143/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,196/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,201
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,634
−HK$2,471/mo
Today · 4.125%
HK$83,105
baseline
▲ 0.50% · 4.625%
HK$88,162
+HK$5,057/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,210/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,998
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,331
−HK$2,367/mo
Today · 4.125%
HK$91,698
baseline
▲ 0.50% · 4.625%
HK$96,532
+HK$4,834/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,396/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,544
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,672
−HK$3,177/mo
Today · 4.125%
HK$106,849
baseline
▲ 0.50% · 4.625%
HK$113,351
+HK$6,502/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,698/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,854
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$114,854
−HK$3,044/mo
Today · 4.125%
HK$117,898
baseline
▲ 0.50% · 4.625%
HK$124,112
+HK$6,214/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,796/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,095 · Scale 2, in force from 26 Feb 2026)