LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,876
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,614
−HK$1,766/mo
Today · 4.125%
HK$59,380
baseline
▲ 0.50% · 4.625%
HK$62,993
+HK$3,613/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,760/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,162
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$63,829
−HK$1,691/mo
Today · 4.125%
HK$65,520
baseline
▲ 0.50% · 4.625%
HK$68,974
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,040/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,051
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,137
−HK$2,119/mo
Today · 4.125%
HK$71,256
baseline
▲ 0.50% · 4.625%
HK$75,592
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,512/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,594
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,594
−HK$2,030/mo
Today · 4.125%
HK$78,624
baseline
▲ 0.50% · 4.625%
HK$82,768
+HK$4,144/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,248/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,227
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,660
−HK$2,472/mo
Today · 4.125%
HK$83,132
baseline
▲ 0.50% · 4.625%
HK$88,190
+HK$5,058/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,264/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,026
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,360
−HK$2,368/mo
Today · 4.125%
HK$91,728
baseline
▲ 0.50% · 4.625%
HK$96,563
+HK$4,835/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,456/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,577
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,705
−HK$3,179/mo
Today · 4.125%
HK$106,884
baseline
▲ 0.50% · 4.625%
HK$113,388
+HK$6,504/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$213,768/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,891
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$114,892
−HK$3,044/mo
Today · 4.125%
HK$117,936
baseline
▲ 0.50% · 4.625%
HK$124,153
+HK$6,217/mo
Deposit HK$2.45M · loan HK$22.05M · min. income ≈ HK$235,872/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,433 · Scale 2, in force from 26 Feb 2026)