LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,813
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,580
−HK$1,796/mo
Today · 4.125%
HK$60,376
baseline
▲ 0.50% · 4.625%
HK$64,049
+HK$3,673/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,752/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,204
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,899
−HK$1,720/mo
Today · 4.125%
HK$66,619
baseline
▲ 0.50% · 4.625%
HK$70,130
+HK$3,511/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,238/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,176
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,296
−HK$2,155/mo
Today · 4.125%
HK$72,451
baseline
▲ 0.50% · 4.625%
HK$76,859
+HK$4,408/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,902/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,845
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,879
−HK$2,063/mo
Today · 4.125%
HK$79,942
baseline
▲ 0.50% · 4.625%
HK$84,156
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,884/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,058,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,538
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,012
−HK$2,514/mo
Today · 4.125%
HK$84,526
baseline
▲ 0.50% · 4.625%
HK$89,669
+HK$5,143/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,052/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,486
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,859
−HK$2,407/mo
Today · 4.125%
HK$93,266
baseline
▲ 0.50% · 4.625%
HK$98,182
+HK$4,916/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,532/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,264
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,444
−HK$3,232/mo
Today · 4.125%
HK$108,676
baseline
▲ 0.50% · 4.625%
HK$115,289
+HK$6,613/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,352/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,767
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,818
−HK$3,096/mo
Today · 4.125%
HK$119,914
baseline
▲ 0.50% · 4.625%
HK$126,234
+HK$6,320/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,828/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,897 · Scale 2, in force from 26 Feb 2026)