LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,814
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,581
−HK$1,795/mo
Today · 4.125%
HK$60,376
baseline
▲ 0.50% · 4.625%
HK$64,050
+HK$3,674/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$1,058,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,205
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,900
−HK$1,719/mo
Today · 4.125%
HK$66,619
baseline
▲ 0.50% · 4.625%
HK$70,131
+HK$3,512/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$1,058,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,176
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,297
−HK$2,155/mo
Today · 4.125%
HK$72,452
baseline
▲ 0.50% · 4.625%
HK$76,860
+HK$4,408/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,904/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,058,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,845
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,880
−HK$2,063/mo
Today · 4.125%
HK$79,943
baseline
▲ 0.50% · 4.625%
HK$84,157
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,886/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,058,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,539
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,013
−HK$2,514/mo
Today · 4.125%
HK$84,527
baseline
▲ 0.50% · 4.625%
HK$89,670
+HK$5,143/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,054/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,486
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,860
−HK$2,407/mo
Today · 4.125%
HK$93,267
baseline
▲ 0.50% · 4.625%
HK$98,183
+HK$4,916/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,534/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,264
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,445
−HK$3,232/mo
Today · 4.125%
HK$108,677
baseline
▲ 0.50% · 4.625%
HK$115,290
+HK$6,613/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,354/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,768
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,819
−HK$3,096/mo
Today · 4.125%
HK$119,915
baseline
▲ 0.50% · 4.625%
HK$126,236
+HK$6,321/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,830/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,906 · Scale 2, in force from 26 Feb 2026)