LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,824
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,592
−HK$1,796/mo
Today · 4.125%
HK$60,388
baseline
▲ 0.50% · 4.625%
HK$64,062
+HK$3,674/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,776/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,216
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,912
−HK$1,720/mo
Today · 4.125%
HK$66,632
baseline
▲ 0.50% · 4.625%
HK$70,144
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,264/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,189
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,310
−HK$2,155/mo
Today · 4.125%
HK$72,465
baseline
▲ 0.50% · 4.625%
HK$76,874
+HK$4,409/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,930/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,860
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,894
−HK$2,064/mo
Today · 4.125%
HK$79,958
baseline
▲ 0.50% · 4.625%
HK$84,173
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,916/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,554
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,028
−HK$2,515/mo
Today · 4.125%
HK$84,543
baseline
▲ 0.50% · 4.625%
HK$89,687
+HK$5,144/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$169,086/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,503
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,876
−HK$2,408/mo
Today · 4.125%
HK$93,284
baseline
▲ 0.50% · 4.625%
HK$98,202
+HK$4,918/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$186,568/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,283
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$105,465
−HK$3,233/mo
Today · 4.125%
HK$108,698
baseline
▲ 0.50% · 4.625%
HK$115,312
+HK$6,614/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,396/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,789
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,841
−HK$3,096/mo
Today · 4.125%
HK$119,937
baseline
▲ 0.50% · 4.625%
HK$126,259
+HK$6,322/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,874/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,104 · Scale 2, in force from 26 Feb 2026)