LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,829
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,596
−HK$1,796/mo
Today · 4.125%
HK$60,392
baseline
▲ 0.50% · 4.625%
HK$64,067
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,784/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,221
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,917
−HK$1,720/mo
Today · 4.125%
HK$66,637
baseline
▲ 0.50% · 4.625%
HK$70,149
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,274/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,194
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,316
−HK$2,155/mo
Today · 4.125%
HK$72,471
baseline
▲ 0.50% · 4.625%
HK$76,880
+HK$4,409/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,942/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,866
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,900
−HK$2,064/mo
Today · 4.125%
HK$79,964
baseline
▲ 0.50% · 4.625%
HK$84,179
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,928/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,560
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,035
−HK$2,514/mo
Today · 4.125%
HK$84,549
baseline
▲ 0.50% · 4.625%
HK$89,694
+HK$5,145/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,098/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,510
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,884
−HK$2,408/mo
Today · 4.125%
HK$93,292
baseline
▲ 0.50% · 4.625%
HK$98,209
+HK$4,917/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,584/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,292
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,473
−HK$3,233/mo
Today · 4.125%
HK$108,706
baseline
▲ 0.50% · 4.625%
HK$115,321
+HK$6,615/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,412/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,798
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,850
−HK$3,096/mo
Today · 4.125%
HK$119,946
baseline
▲ 0.50% · 4.625%
HK$126,269
+HK$6,323/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,892/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,187 · Scale 2, in force from 26 Feb 2026)