LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,792
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,558
−HK$1,795/mo
Today · 4.125%
HK$60,353
baseline
▲ 0.50% · 4.625%
HK$64,025
+HK$3,672/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$120,706/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,180
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,875
−HK$1,719/mo
Today · 4.125%
HK$66,594
baseline
▲ 0.50% · 4.625%
HK$70,104
+HK$3,510/mo
Deposit HK$12.45M · loan HK$12.45M · min. income ≈ HK$133,188/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,058,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,150
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,270
−HK$2,154/mo
Today · 4.125%
HK$72,424
baseline
▲ 0.50% · 4.625%
HK$76,830
+HK$4,406/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$144,848/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,816
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,850
−HK$2,062/mo
Today · 4.125%
HK$79,912
baseline
▲ 0.50% · 4.625%
HK$84,125
+HK$4,213/mo
Deposit HK$9.96M · loan HK$14.94M · min. income ≈ HK$159,824/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,508
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,982
−HK$2,512/mo
Today · 4.125%
HK$84,494
baseline
▲ 0.50% · 4.625%
HK$89,636
+HK$5,142/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$168,988/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,452
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,825
−HK$2,406/mo
Today · 4.125%
HK$93,231
baseline
▲ 0.50% · 4.625%
HK$98,145
+HK$4,914/mo
Deposit HK$7.47M · loan HK$17.43M · min. income ≈ HK$186,462/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,225
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,405
−HK$3,231/mo
Today · 4.125%
HK$108,636
baseline
▲ 0.50% · 4.625%
HK$115,246
+HK$6,610/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,272/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,724
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,774
−HK$3,095/mo
Today · 4.125%
HK$119,869
baseline
▲ 0.50% · 4.625%
HK$126,187
+HK$6,318/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,738/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,499 · Scale 2, in force from 26 Feb 2026)