LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,826
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,593
−HK$1,796/mo
Today · 4.125%
HK$60,389
baseline
▲ 0.50% · 4.625%
HK$64,064
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,778/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,218
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,913
−HK$1,720/mo
Today · 4.125%
HK$66,633
baseline
▲ 0.50% · 4.625%
HK$70,146
+HK$3,513/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,266/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,191
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,312
−HK$2,155/mo
Today · 4.125%
HK$72,467
baseline
▲ 0.50% · 4.625%
HK$76,876
+HK$4,409/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,934/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,861
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,896
−HK$2,064/mo
Today · 4.125%
HK$79,960
baseline
▲ 0.50% · 4.625%
HK$84,175
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,920/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,556
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,030
−HK$2,515/mo
Today · 4.125%
HK$84,545
baseline
▲ 0.50% · 4.625%
HK$89,689
+HK$5,144/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$169,090/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,505
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,879
−HK$2,408/mo
Today · 4.125%
HK$93,287
baseline
▲ 0.50% · 4.625%
HK$98,204
+HK$4,917/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$186,574/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,286
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,468
−HK$3,232/mo
Today · 4.125%
HK$108,700
baseline
▲ 0.50% · 4.625%
HK$115,314
+HK$6,614/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,400/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,792
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,844
−HK$3,096/mo
Today · 4.125%
HK$119,940
baseline
▲ 0.50% · 4.625%
HK$126,262
+HK$6,322/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,880/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,129 · Scale 2, in force from 26 Feb 2026)