LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,809
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,576
−HK$1,795/mo
Today · 4.125%
HK$60,371
baseline
▲ 0.50% · 4.625%
HK$64,045
+HK$3,674/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$1,058,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,199
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,894
−HK$1,720/mo
Today · 4.125%
HK$66,614
baseline
▲ 0.50% · 4.625%
HK$70,125
+HK$3,511/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,228/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,171
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,291
−HK$2,154/mo
Today · 4.125%
HK$72,445
baseline
▲ 0.50% · 4.625%
HK$76,854
+HK$4,409/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$1,058,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,839
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,873
−HK$2,063/mo
Today · 4.125%
HK$79,936
baseline
▲ 0.50% · 4.625%
HK$84,150
+HK$4,214/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$1,058,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,532
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,006
−HK$2,514/mo
Today · 4.125%
HK$84,520
baseline
▲ 0.50% · 4.625%
HK$89,663
+HK$5,143/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,040/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,479
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,852
−HK$2,407/mo
Today · 4.125%
HK$93,259
baseline
▲ 0.50% · 4.625%
HK$98,175
+HK$4,916/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,518/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,256
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,437
−HK$3,231/mo
Today · 4.125%
HK$108,668
baseline
▲ 0.50% · 4.625%
HK$115,280
+HK$6,612/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,336/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,759
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,810
−HK$3,095/mo
Today · 4.125%
HK$119,905
baseline
▲ 0.50% · 4.625%
HK$126,225
+HK$6,320/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,810/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,818 · Scale 2, in force from 26 Feb 2026)