LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,812
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,579
−HK$1,795/mo
Today · 4.125%
HK$60,374
baseline
▲ 0.50% · 4.625%
HK$64,048
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,748/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,202
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,897
−HK$1,720/mo
Today · 4.125%
HK$66,617
baseline
▲ 0.50% · 4.625%
HK$70,128
+HK$3,511/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,234/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,174
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,295
−HK$2,154/mo
Today · 4.125%
HK$72,449
baseline
▲ 0.50% · 4.625%
HK$76,857
+HK$4,408/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,898/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,843
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,877
−HK$2,063/mo
Today · 4.125%
HK$79,940
baseline
▲ 0.50% · 4.625%
HK$84,154
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,880/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,536
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,010
−HK$2,514/mo
Today · 4.125%
HK$84,524
baseline
▲ 0.50% · 4.625%
HK$89,667
+HK$5,143/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,048/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,483
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,856
−HK$2,408/mo
Today · 4.125%
HK$93,264
baseline
▲ 0.50% · 4.625%
HK$98,180
+HK$4,916/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,528/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,261
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,442
−HK$3,232/mo
Today · 4.125%
HK$108,674
baseline
▲ 0.50% · 4.625%
HK$115,286
+HK$6,612/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,348/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,764
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,815
−HK$3,096/mo
Today · 4.125%
HK$119,911
baseline
▲ 0.50% · 4.625%
HK$126,231
+HK$6,320/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,822/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,870 · Scale 2, in force from 26 Feb 2026)