LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,880
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,619
−HK$1,766/mo
Today · 4.125%
HK$59,385
baseline
▲ 0.50% · 4.625%
HK$62,998
+HK$3,613/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,770/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,166
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,834
−HK$1,691/mo
Today · 4.125%
HK$65,525
baseline
▲ 0.50% · 4.625%
HK$68,979
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,050/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,041,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,056
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,142
−HK$2,119/mo
Today · 4.125%
HK$71,261
baseline
▲ 0.50% · 4.625%
HK$75,598
+HK$4,337/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$142,522/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,600
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,600
−HK$2,030/mo
Today · 4.125%
HK$78,630
baseline
▲ 0.50% · 4.625%
HK$82,775
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.70M · min. income ≈ HK$157,260/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,232
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,666
−HK$2,472/mo
Today · 4.125%
HK$83,138
baseline
▲ 0.50% · 4.625%
HK$88,197
+HK$5,059/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$166,276/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,033
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,367
−HK$2,368/mo
Today · 4.125%
HK$91,735
baseline
▲ 0.50% · 4.625%
HK$96,570
+HK$4,835/mo
Deposit HK$7.35M · loan HK$17.15M · min. income ≈ HK$183,470/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,585
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$103,713
−HK$3,179/mo
Today · 4.125%
HK$106,892
baseline
▲ 0.50% · 4.625%
HK$113,396
+HK$6,504/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,784/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,899
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,900
−HK$3,045/mo
Today · 4.125%
HK$117,945
baseline
▲ 0.50% · 4.625%
HK$124,162
+HK$6,217/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,890/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,512 · Scale 2, in force from 26 Feb 2026)