LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,859
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,597
−HK$1,765/mo
Today · 4.125%
HK$59,362
baseline
▲ 0.50% · 4.625%
HK$62,974
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,724/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,143
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,810
−HK$1,691/mo
Today · 4.125%
HK$65,501
baseline
▲ 0.50% · 4.625%
HK$68,953
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,002/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,031
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,116
−HK$2,119/mo
Today · 4.125%
HK$71,235
baseline
▲ 0.50% · 4.625%
HK$75,569
+HK$4,334/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,470/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,572
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,572
−HK$2,029/mo
Today · 4.125%
HK$78,601
baseline
▲ 0.50% · 4.625%
HK$82,744
+HK$4,143/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,202/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,203
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,636
−HK$2,471/mo
Today · 4.125%
HK$83,107
baseline
▲ 0.50% · 4.625%
HK$88,164
+HK$5,057/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,214/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,000
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,334
−HK$2,367/mo
Today · 4.125%
HK$91,701
baseline
▲ 0.50% · 4.625%
HK$96,534
+HK$4,833/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,402/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,547
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,675
−HK$3,177/mo
Today · 4.125%
HK$106,852
baseline
▲ 0.50% · 4.625%
HK$113,354
+HK$6,502/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,704/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,858
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,858
−HK$3,043/mo
Today · 4.125%
HK$117,901
baseline
▲ 0.50% · 4.625%
HK$124,116
+HK$6,215/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,802/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,124 · Scale 2, in force from 26 Feb 2026)