LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,860
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,598
−HK$1,765/mo
Today · 4.125%
HK$59,363
baseline
▲ 0.50% · 4.625%
HK$62,976
+HK$3,613/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,726/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,144
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,811
−HK$1,691/mo
Today · 4.125%
HK$65,502
baseline
▲ 0.50% · 4.625%
HK$68,954
+HK$3,452/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,004/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,033
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,118
−HK$2,118/mo
Today · 4.125%
HK$71,236
baseline
▲ 0.50% · 4.625%
HK$75,571
+HK$4,335/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,472/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,573
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,573
−HK$2,029/mo
Today · 4.125%
HK$78,602
baseline
▲ 0.50% · 4.625%
HK$82,745
+HK$4,143/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,204/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,205
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,637
−HK$2,472/mo
Today · 4.125%
HK$83,109
baseline
▲ 0.50% · 4.625%
HK$88,166
+HK$5,057/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,218/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,002
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,335
−HK$2,367/mo
Today · 4.125%
HK$91,702
baseline
▲ 0.50% · 4.625%
HK$96,536
+HK$4,834/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,404/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,549
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,676
−HK$3,178/mo
Today · 4.125%
HK$106,854
baseline
▲ 0.50% · 4.625%
HK$113,356
+HK$6,502/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,708/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,860
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,860
−HK$3,043/mo
Today · 4.125%
HK$117,903
baseline
▲ 0.50% · 4.625%
HK$124,118
+HK$6,215/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,806/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,142 · Scale 2, in force from 26 Feb 2026)