LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,425
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,180
−HK$1,783/mo
Today · 4.125%
HK$59,963
baseline
▲ 0.50% · 4.625%
HK$63,612
+HK$3,649/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$119,926/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,772
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,456
−HK$1,707/mo
Today · 4.125%
HK$66,163
baseline
▲ 0.50% · 4.625%
HK$69,651
+HK$3,488/mo
Deposit HK$12.37M · loan HK$12.37M · min. income ≈ HK$132,326/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,051,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,710
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,816
−HK$2,140/mo
Today · 4.125%
HK$71,956
baseline
▲ 0.50% · 4.625%
HK$76,334
+HK$4,378/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$143,912/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,326
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$77,347
−HK$2,049/mo
Today · 4.125%
HK$79,396
baseline
▲ 0.50% · 4.625%
HK$83,581
+HK$4,185/mo
Deposit HK$9.90M · loan HK$14.85M · min. income ≈ HK$158,792/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,051,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,995
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,452
−HK$2,496/mo
Today · 4.125%
HK$83,948
baseline
▲ 0.50% · 4.625%
HK$89,056
+HK$5,108/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$167,896/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,881
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,238
−HK$2,391/mo
Today · 4.125%
HK$92,629
baseline
▲ 0.50% · 4.625%
HK$97,511
+HK$4,882/mo
Deposit HK$7.42M · loan HK$17.32M · min. income ≈ HK$185,258/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$1,051,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,565
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$104,724
−HK$3,210/mo
Today · 4.125%
HK$107,934
baseline
▲ 0.50% · 4.625%
HK$114,501
+HK$6,567/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$215,868/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,990
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$116,020
−HK$3,074/mo
Today · 4.125%
HK$119,094
baseline
▲ 0.50% · 4.625%
HK$125,372
+HK$6,278/mo
Deposit HK$2.47M · loan HK$22.27M · min. income ≈ HK$238,188/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$1,051,661 · Scale 2, in force from 26 Feb 2026)