LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,887
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$57,626
−HK$1,766/mo
Today · 4.125%
HK$59,392
baseline
▲ 0.50% · 4.625%
HK$63,006
+HK$3,614/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$118,784/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,174
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$63,841
−HK$1,692/mo
Today · 4.125%
HK$65,533
baseline
▲ 0.50% · 4.625%
HK$68,987
+HK$3,454/mo
Deposit HK$12.25M · loan HK$12.25M · min. income ≈ HK$131,066/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,041,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,065
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,151
−HK$2,119/mo
Today · 4.125%
HK$71,270
baseline
▲ 0.50% · 4.625%
HK$75,607
+HK$4,337/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$142,540/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,609
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$76,610
−HK$2,030/mo
Today · 4.125%
HK$78,640
baseline
▲ 0.50% · 4.625%
HK$82,785
+HK$4,145/mo
Deposit HK$9.80M · loan HK$14.71M · min. income ≈ HK$157,280/mo (50% DSR)
Upfront cash ≈ HK$10.85M (deposit + AVD stamp duty HK$1,041,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,242
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,676
−HK$2,473/mo
Today · 4.125%
HK$83,149
baseline
▲ 0.50% · 4.625%
HK$88,208
+HK$5,059/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$166,298/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,043
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,378
−HK$2,368/mo
Today · 4.125%
HK$91,746
baseline
▲ 0.50% · 4.625%
HK$96,582
+HK$4,836/mo
Deposit HK$7.35M · loan HK$17.16M · min. income ≈ HK$183,492/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$1,041,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,597
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$103,726
−HK$3,179/mo
Today · 4.125%
HK$106,905
baseline
▲ 0.50% · 4.625%
HK$113,410
+HK$6,505/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$213,810/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,913
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$114,915
−HK$3,044/mo
Today · 4.125%
HK$117,959
baseline
▲ 0.50% · 4.625%
HK$124,177
+HK$6,218/mo
Deposit HK$2.45M · loan HK$22.06M · min. income ≈ HK$235,918/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$1,041,640 · Scale 2, in force from 26 Feb 2026)