LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,817
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,584
−HK$1,796/mo
Today · 4.125%
HK$60,380
baseline
▲ 0.50% · 4.625%
HK$64,054
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,760/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,208
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,903
−HK$1,720/mo
Today · 4.125%
HK$66,623
baseline
▲ 0.50% · 4.625%
HK$70,135
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,246/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,058,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,180
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,301
−HK$2,155/mo
Today · 4.125%
HK$72,456
baseline
▲ 0.50% · 4.625%
HK$76,864
+HK$4,408/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,912/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,058,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,850
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,884
−HK$2,064/mo
Today · 4.125%
HK$79,948
baseline
▲ 0.50% · 4.625%
HK$84,162
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,896/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,058,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,543
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,018
−HK$2,513/mo
Today · 4.125%
HK$84,531
baseline
▲ 0.50% · 4.625%
HK$89,675
+HK$5,144/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$169,062/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,491
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,865
−HK$2,407/mo
Today · 4.125%
HK$93,272
baseline
▲ 0.50% · 4.625%
HK$98,189
+HK$4,917/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$186,544/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,058,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,270
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,451
−HK$3,232/mo
Today · 4.125%
HK$108,683
baseline
▲ 0.50% · 4.625%
HK$115,296
+HK$6,613/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,366/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,774
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,826
−HK$3,095/mo
Today · 4.125%
HK$119,921
baseline
▲ 0.50% · 4.625%
HK$126,243
+HK$6,322/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,842/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,058,965 · Scale 2, in force from 26 Feb 2026)