LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,886
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$57,624
−HK$1,766/mo
Today · 4.125%
HK$59,390
baseline
▲ 0.50% · 4.625%
HK$63,004
+HK$3,614/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,780/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,172
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,840
−HK$1,691/mo
Today · 4.125%
HK$65,531
baseline
▲ 0.50% · 4.625%
HK$68,985
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,062/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,063
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,149
−HK$2,119/mo
Today · 4.125%
HK$71,268
baseline
▲ 0.50% · 4.625%
HK$75,605
+HK$4,337/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$142,536/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,607
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,607
−HK$2,030/mo
Today · 4.125%
HK$78,637
baseline
▲ 0.50% · 4.625%
HK$82,782
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$157,274/mo (50% DSR)
Upfront cash ≈ HK$10.84M (deposit + AVD stamp duty HK$1,041,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,240
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,673
−HK$2,473/mo
Today · 4.125%
HK$83,146
baseline
▲ 0.50% · 4.625%
HK$88,205
+HK$5,059/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,292/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,041
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,375
−HK$2,369/mo
Today · 4.125%
HK$91,744
baseline
▲ 0.50% · 4.625%
HK$96,579
+HK$4,835/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,488/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,594
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,723
−HK$3,179/mo
Today · 4.125%
HK$106,902
baseline
▲ 0.50% · 4.625%
HK$113,407
+HK$6,505/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,804/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,910
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,911
−HK$3,045/mo
Today · 4.125%
HK$117,956
baseline
▲ 0.50% · 4.625%
HK$124,174
+HK$6,218/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,912/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,610 · Scale 2, in force from 26 Feb 2026)