LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,823
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,591
−HK$1,795/mo
Today · 4.125%
HK$60,386
baseline
▲ 0.50% · 4.625%
HK$64,061
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,772/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,215
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,911
−HK$1,720/mo
Today · 4.125%
HK$66,631
baseline
▲ 0.50% · 4.625%
HK$70,143
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,262/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,188
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,309
−HK$2,155/mo
Today · 4.125%
HK$72,464
baseline
▲ 0.50% · 4.625%
HK$76,873
+HK$4,409/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,928/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,858
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,893
−HK$2,064/mo
Today · 4.125%
HK$79,957
baseline
▲ 0.50% · 4.625%
HK$84,171
+HK$4,214/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,914/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,552
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,027
−HK$2,514/mo
Today · 4.125%
HK$84,541
baseline
▲ 0.50% · 4.625%
HK$89,685
+HK$5,144/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$169,082/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,501
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,875
−HK$2,408/mo
Today · 4.125%
HK$93,283
baseline
▲ 0.50% · 4.625%
HK$98,200
+HK$4,917/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$186,566/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$1,059,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,282
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,463
−HK$3,233/mo
Today · 4.125%
HK$108,696
baseline
▲ 0.50% · 4.625%
HK$115,310
+HK$6,614/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,392/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,787
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,839
−HK$3,096/mo
Today · 4.125%
HK$119,935
baseline
▲ 0.50% · 4.625%
HK$126,257
+HK$6,322/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,870/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,085 · Scale 2, in force from 26 Feb 2026)