LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,814
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,581
−HK$1,796/mo
Today · 4.125%
HK$60,377
baseline
▲ 0.50% · 4.625%
HK$64,051
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,754/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,205
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,900
−HK$1,720/mo
Today · 4.125%
HK$66,620
baseline
▲ 0.50% · 4.625%
HK$70,132
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,240/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,177
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,298
−HK$2,154/mo
Today · 4.125%
HK$72,452
baseline
▲ 0.50% · 4.625%
HK$76,861
+HK$4,409/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$1,058,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,846
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,880
−HK$2,064/mo
Today · 4.125%
HK$79,944
baseline
▲ 0.50% · 4.625%
HK$84,158
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,888/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,058,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,540
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,014
−HK$2,514/mo
Today · 4.125%
HK$84,528
baseline
▲ 0.50% · 4.625%
HK$89,671
+HK$5,143/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$169,056/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,487
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,860
−HK$2,408/mo
Today · 4.125%
HK$93,268
baseline
▲ 0.50% · 4.625%
HK$98,184
+HK$4,916/mo
Deposit HK$7.47M · loan HK$17.44M · min. income ≈ HK$186,536/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,265
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,446
−HK$3,232/mo
Today · 4.125%
HK$108,678
baseline
▲ 0.50% · 4.625%
HK$115,291
+HK$6,613/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$217,356/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,769
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,820
−HK$3,096/mo
Today · 4.125%
HK$119,916
baseline
▲ 0.50% · 4.625%
HK$126,237
+HK$6,321/mo
Deposit HK$2.49M · loan HK$22.42M · min. income ≈ HK$239,832/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,916 · Scale 2, in force from 26 Feb 2026)