LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,874
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,612
−HK$1,766/mo
Today · 4.125%
HK$59,378
baseline
▲ 0.50% · 4.625%
HK$62,991
+HK$3,613/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,756/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,159
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,826
−HK$1,691/mo
Today · 4.125%
HK$65,517
baseline
▲ 0.50% · 4.625%
HK$68,971
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,034/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,049
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,134
−HK$2,119/mo
Today · 4.125%
HK$71,253
baseline
▲ 0.50% · 4.625%
HK$75,589
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,506/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,591
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,592
−HK$2,029/mo
Today · 4.125%
HK$78,621
baseline
▲ 0.50% · 4.625%
HK$82,765
+HK$4,144/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,242/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,224
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,657
−HK$2,472/mo
Today · 4.125%
HK$83,129
baseline
▲ 0.50% · 4.625%
HK$88,187
+HK$5,058/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,258/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,023
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,357
−HK$2,367/mo
Today · 4.125%
HK$91,724
baseline
▲ 0.50% · 4.625%
HK$96,559
+HK$4,835/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,448/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,573
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,701
−HK$3,179/mo
Today · 4.125%
HK$106,880
baseline
▲ 0.50% · 4.625%
HK$113,383
+HK$6,503/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,760/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,887
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$114,887
−HK$3,044/mo
Today · 4.125%
HK$117,931
baseline
▲ 0.50% · 4.625%
HK$124,148
+HK$6,217/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,862/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,393 · Scale 2, in force from 26 Feb 2026)