LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,769
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,535
−HK$1,794/mo
Today · 4.125%
HK$60,329
baseline
▲ 0.50% · 4.625%
HK$64,000
+HK$3,671/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,658/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,155
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,849
−HK$1,718/mo
Today · 4.125%
HK$66,567
baseline
▲ 0.50% · 4.625%
HK$70,076
+HK$3,509/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,134/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,123
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,242
−HK$2,153/mo
Today · 4.125%
HK$72,395
baseline
▲ 0.50% · 4.625%
HK$76,800
+HK$4,405/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,790/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,786
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,818
−HK$2,062/mo
Today · 4.125%
HK$79,880
baseline
▲ 0.50% · 4.625%
HK$84,091
+HK$4,211/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,760/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,477
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,949
−HK$2,511/mo
Today · 4.125%
HK$84,460
baseline
▲ 0.50% · 4.625%
HK$89,600
+HK$5,140/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,920/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,417
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,788
−HK$2,406/mo
Today · 4.125%
HK$93,194
baseline
▲ 0.50% · 4.625%
HK$98,106
+HK$4,912/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,388/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,184
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,363
−HK$3,229/mo
Today · 4.125%
HK$108,592
baseline
▲ 0.50% · 4.625%
HK$115,200
+HK$6,608/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$217,184/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,679
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,728
−HK$3,093/mo
Today · 4.125%
HK$119,821
baseline
▲ 0.50% · 4.625%
HK$126,136
+HK$6,315/mo
Deposit HK$2.49M · loan HK$22.41M · min. income ≈ HK$239,642/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,075 · Scale 2, in force from 26 Feb 2026)