LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,819
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,586
−HK$1,796/mo
Today · 4.125%
HK$60,382
baseline
▲ 0.50% · 4.625%
HK$64,056
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,764/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,210
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,906
−HK$1,719/mo
Today · 4.125%
HK$66,625
baseline
▲ 0.50% · 4.625%
HK$70,137
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,250/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,183
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,303
−HK$2,155/mo
Today · 4.125%
HK$72,458
baseline
▲ 0.50% · 4.625%
HK$76,867
+HK$4,409/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,916/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,852
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,887
−HK$2,064/mo
Today · 4.125%
HK$79,951
baseline
▲ 0.50% · 4.625%
HK$84,165
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,902/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,546
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,021
−HK$2,514/mo
Today · 4.125%
HK$84,535
baseline
▲ 0.50% · 4.625%
HK$89,678
+HK$5,143/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$169,070/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,495
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,868
−HK$2,408/mo
Today · 4.125%
HK$93,276
baseline
▲ 0.50% · 4.625%
HK$98,192
+HK$4,916/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$186,552/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,274
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,455
−HK$3,232/mo
Today · 4.125%
HK$108,687
baseline
▲ 0.50% · 4.625%
HK$115,301
+HK$6,614/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,374/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,779
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,830
−HK$3,096/mo
Today · 4.125%
HK$119,926
baseline
▲ 0.50% · 4.625%
HK$126,247
+HK$6,321/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,852/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,005 · Scale 2, in force from 26 Feb 2026)