LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,870
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,608
−HK$1,766/mo
Today · 4.125%
HK$59,374
baseline
▲ 0.50% · 4.625%
HK$62,987
+HK$3,613/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,748/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,327 · 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$68,967
+HK$3,454/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$1,041,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,044
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,130
−HK$2,119/mo
Today · 4.125%
HK$71,249
baseline
▲ 0.50% · 4.625%
HK$75,584
+HK$4,335/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,498/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,586
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,587
−HK$2,029/mo
Today · 4.125%
HK$78,616
baseline
▲ 0.50% · 4.625%
HK$82,760
+HK$4,144/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,232/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,219
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,652
−HK$2,472/mo
Today · 4.125%
HK$83,124
baseline
▲ 0.50% · 4.625%
HK$88,181
+HK$5,057/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,248/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,017
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,351
−HK$2,368/mo
Today · 4.125%
HK$91,719
baseline
▲ 0.50% · 4.625%
HK$96,553
+HK$4,834/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,438/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,567
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$103,695
−HK$3,178/mo
Today · 4.125%
HK$106,873
baseline
▲ 0.50% · 4.625%
HK$113,376
+HK$6,503/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,746/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,879
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,880
−HK$3,044/mo
Today · 4.125%
HK$117,924
baseline
▲ 0.50% · 4.625%
HK$124,140
+HK$6,216/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,848/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,327 · Scale 2, in force from 26 Feb 2026)