LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,870
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$57,608
−HK$1,765/mo
Today · 4.125%
HK$59,373
baseline
▲ 0.50% · 4.625%
HK$62,986
+HK$3,613/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$1,041,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,155
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,822
−HK$1,691/mo
Today · 4.125%
HK$65,513
baseline
▲ 0.50% · 4.625%
HK$68,966
+HK$3,453/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,026/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,044
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,129
−HK$2,119/mo
Today · 4.125%
HK$71,248
baseline
▲ 0.50% · 4.625%
HK$75,583
+HK$4,335/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,496/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,586
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$76,586
−HK$2,029/mo
Today · 4.125%
HK$78,615
baseline
▲ 0.50% · 4.625%
HK$82,759
+HK$4,144/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,230/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,218
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,651
−HK$2,472/mo
Today · 4.125%
HK$83,123
baseline
▲ 0.50% · 4.625%
HK$88,181
+HK$5,058/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,246/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,017
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,350
−HK$2,368/mo
Today · 4.125%
HK$91,718
baseline
▲ 0.50% · 4.625%
HK$96,552
+HK$4,834/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,436/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,566
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$103,694
−HK$3,178/mo
Today · 4.125%
HK$106,872
baseline
▲ 0.50% · 4.625%
HK$113,375
+HK$6,503/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,744/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,879
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$114,879
−HK$3,044/mo
Today · 4.125%
HK$117,923
baseline
▲ 0.50% · 4.625%
HK$124,139
+HK$6,216/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,846/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,319 · Scale 2, in force from 26 Feb 2026)