LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,821
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,589
−HK$1,796/mo
Today · 4.125%
HK$60,385
baseline
▲ 0.50% · 4.625%
HK$64,059
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,770/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,213
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,909
−HK$1,720/mo
Today · 4.125%
HK$66,629
baseline
▲ 0.50% · 4.625%
HK$70,141
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,258/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,186
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,307
−HK$2,155/mo
Today · 4.125%
HK$72,462
baseline
▲ 0.50% · 4.625%
HK$76,871
+HK$4,409/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,924/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,856
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,890
−HK$2,064/mo
Today · 4.125%
HK$79,954
baseline
▲ 0.50% · 4.625%
HK$84,169
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,908/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,550
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,025
−HK$2,514/mo
Today · 4.125%
HK$84,539
baseline
▲ 0.50% · 4.625%
HK$89,683
+HK$5,144/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$169,078/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,499
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,872
−HK$2,408/mo
Today · 4.125%
HK$93,280
baseline
▲ 0.50% · 4.625%
HK$98,197
+HK$4,917/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$186,560/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,279
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,460
−HK$3,232/mo
Today · 4.125%
HK$108,692
baseline
▲ 0.50% · 4.625%
HK$115,306
+HK$6,614/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,384/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,784
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,836
−HK$3,095/mo
Today · 4.125%
HK$119,931
baseline
▲ 0.50% · 4.625%
HK$126,253
+HK$6,322/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,862/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,053 · Scale 2, in force from 26 Feb 2026)