LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,879
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,618
−HK$1,765/mo
Today · 4.125%
HK$59,383
baseline
▲ 0.50% · 4.625%
HK$62,997
+HK$3,614/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,766/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,165
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,832
−HK$1,692/mo
Today · 4.125%
HK$65,524
baseline
▲ 0.50% · 4.625%
HK$68,978
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,048/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,055
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,141
−HK$2,119/mo
Today · 4.125%
HK$71,260
baseline
▲ 0.50% · 4.625%
HK$75,596
+HK$4,336/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,520/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,598
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,599
−HK$2,030/mo
Today · 4.125%
HK$78,629
baseline
▲ 0.50% · 4.625%
HK$82,773
+HK$4,144/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,258/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,231
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,665
−HK$2,472/mo
Today · 4.125%
HK$83,137
baseline
▲ 0.50% · 4.625%
HK$88,196
+HK$5,059/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,274/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,031
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,365
−HK$2,368/mo
Today · 4.125%
HK$91,733
baseline
▲ 0.50% · 4.625%
HK$96,569
+HK$4,836/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,466/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,583
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,712
−HK$3,178/mo
Today · 4.125%
HK$106,890
baseline
▲ 0.50% · 4.625%
HK$113,394
+HK$6,504/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,780/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,897
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,898
−HK$3,045/mo
Today · 4.125%
HK$117,943
baseline
▲ 0.50% · 4.625%
HK$124,160
+HK$6,217/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,886/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,494 · Scale 2, in force from 26 Feb 2026)