LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,827
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,595
−HK$1,795/mo
Today · 4.125%
HK$60,390
baseline
▲ 0.50% · 4.625%
HK$64,065
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,780/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,219
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,915
−HK$1,720/mo
Today · 4.125%
HK$66,635
baseline
▲ 0.50% · 4.625%
HK$70,147
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,270/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,192
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,313
−HK$2,156/mo
Today · 4.125%
HK$72,469
baseline
▲ 0.50% · 4.625%
HK$76,878
+HK$4,409/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,938/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,863
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,898
−HK$2,064/mo
Today · 4.125%
HK$79,962
baseline
▲ 0.50% · 4.625%
HK$84,177
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,924/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,558
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,032
−HK$2,515/mo
Today · 4.125%
HK$84,547
baseline
▲ 0.50% · 4.625%
HK$89,691
+HK$5,144/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$169,094/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,507
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,881
−HK$2,408/mo
Today · 4.125%
HK$93,289
baseline
▲ 0.50% · 4.625%
HK$98,206
+HK$4,917/mo
Deposit HK$7.48M · loan HK$17.44M · min. income ≈ HK$186,578/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,288
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$105,470
−HK$3,233/mo
Today · 4.125%
HK$108,703
baseline
▲ 0.50% · 4.625%
HK$115,317
+HK$6,614/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,406/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,795
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,847
−HK$3,096/mo
Today · 4.125%
HK$119,943
baseline
▲ 0.50% · 4.625%
HK$126,265
+HK$6,322/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,886/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,154 · Scale 2, in force from 26 Feb 2026)