LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,869
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,607
−HK$1,766/mo
Today · 4.125%
HK$59,373
baseline
▲ 0.50% · 4.625%
HK$62,985
+HK$3,612/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,746/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,154
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,821
−HK$1,691/mo
Today · 4.125%
HK$65,512
baseline
▲ 0.50% · 4.625%
HK$68,965
+HK$3,453/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,024/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,043
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,128
−HK$2,119/mo
Today · 4.125%
HK$71,247
baseline
▲ 0.50% · 4.625%
HK$75,582
+HK$4,335/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,494/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,585
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,585
−HK$2,029/mo
Today · 4.125%
HK$78,614
baseline
▲ 0.50% · 4.625%
HK$82,758
+HK$4,144/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,228/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,217
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,650
−HK$2,472/mo
Today · 4.125%
HK$83,122
baseline
▲ 0.50% · 4.625%
HK$88,180
+HK$5,058/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,244/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,015
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,349
−HK$2,368/mo
Today · 4.125%
HK$91,717
baseline
▲ 0.50% · 4.625%
HK$96,551
+HK$4,834/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,434/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,565
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$103,693
−HK$3,178/mo
Today · 4.125%
HK$106,871
baseline
▲ 0.50% · 4.625%
HK$113,374
+HK$6,503/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,742/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,877
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$114,878
−HK$3,043/mo
Today · 4.125%
HK$117,921
baseline
▲ 0.50% · 4.625%
HK$124,137
+HK$6,216/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,842/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,305 · Scale 2, in force from 26 Feb 2026)