LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,822
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,590
−HK$1,795/mo
Today · 4.125%
HK$60,385
baseline
▲ 0.50% · 4.625%
HK$64,060
+HK$3,675/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$1,059,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,214
−HK$3,415/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$1,059,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,187
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,308
−HK$2,154/mo
Today · 4.125%
HK$72,462
baseline
▲ 0.50% · 4.625%
HK$76,872
+HK$4,410/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$1,059,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,857
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,891
−HK$2,064/mo
Today · 4.125%
HK$79,955
baseline
▲ 0.50% · 4.625%
HK$84,170
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,910/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,551
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,025
−HK$2,515/mo
Today · 4.125%
HK$84,540
baseline
▲ 0.50% · 4.625%
HK$89,684
+HK$5,144/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$169,080/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,500
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,873
−HK$2,408/mo
Today · 4.125%
HK$93,281
baseline
▲ 0.50% · 4.625%
HK$98,198
+HK$4,917/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$186,562/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,280
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,461
−HK$3,233/mo
Today · 4.125%
HK$108,694
baseline
▲ 0.50% · 4.625%
HK$115,307
+HK$6,613/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,388/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,785
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,837
−HK$3,096/mo
Today · 4.125%
HK$119,933
baseline
▲ 0.50% · 4.625%
HK$126,255
+HK$6,322/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,866/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,066 · Scale 2, in force from 26 Feb 2026)