LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,808
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,575
−HK$1,796/mo
Today · 4.125%
HK$60,371
baseline
▲ 0.50% · 4.625%
HK$64,044
+HK$3,673/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,742/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,199
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,894
−HK$1,719/mo
Today · 4.125%
HK$66,613
baseline
▲ 0.50% · 4.625%
HK$70,124
+HK$3,511/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,226/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,170
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,290
−HK$2,155/mo
Today · 4.125%
HK$72,445
baseline
▲ 0.50% · 4.625%
HK$76,853
+HK$4,408/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,890/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,838
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,872
−HK$2,064/mo
Today · 4.125%
HK$79,936
baseline
▲ 0.50% · 4.625%
HK$84,149
+HK$4,213/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,872/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,532
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$82,005
−HK$2,514/mo
Today · 4.125%
HK$84,519
baseline
▲ 0.50% · 4.625%
HK$89,662
+HK$5,143/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,038/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,478
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,851
−HK$2,407/mo
Today · 4.125%
HK$93,258
baseline
▲ 0.50% · 4.625%
HK$98,174
+HK$4,916/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,516/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,255
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,436
−HK$3,231/mo
Today · 4.125%
HK$108,667
baseline
▲ 0.50% · 4.625%
HK$115,279
+HK$6,612/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,334/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,758
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,808
−HK$3,096/mo
Today · 4.125%
HK$119,904
baseline
▲ 0.50% · 4.625%
HK$126,224
+HK$6,320/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,808/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,808 · Scale 2, in force from 26 Feb 2026)