LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,862
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,600
−HK$1,765/mo
Today · 4.125%
HK$59,365
baseline
▲ 0.50% · 4.625%
HK$62,977
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,730/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,146
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$63,813
−HK$1,690/mo
Today · 4.125%
HK$65,503
baseline
▲ 0.50% · 4.625%
HK$68,956
+HK$3,453/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,006/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,034
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,120
−HK$2,118/mo
Today · 4.125%
HK$71,238
baseline
▲ 0.50% · 4.625%
HK$75,573
+HK$4,335/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,476/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,575
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,575
−HK$2,029/mo
Today · 4.125%
HK$78,604
baseline
▲ 0.50% · 4.625%
HK$82,747
+HK$4,143/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,208/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,207
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,639
−HK$2,472/mo
Today · 4.125%
HK$83,111
baseline
▲ 0.50% · 4.625%
HK$88,168
+HK$5,057/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,222/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,004
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,338
−HK$2,367/mo
Today · 4.125%
HK$91,705
baseline
▲ 0.50% · 4.625%
HK$96,539
+HK$4,834/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,410/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,552
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,679
−HK$3,178/mo
Today · 4.125%
HK$106,857
baseline
▲ 0.50% · 4.625%
HK$113,359
+HK$6,502/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,714/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,863
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,863
−HK$3,043/mo
Today · 4.125%
HK$117,906
baseline
▲ 0.50% · 4.625%
HK$124,121
+HK$6,215/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,812/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,170 · Scale 2, in force from 26 Feb 2026)