LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,832
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,600
−HK$1,796/mo
Today · 4.125%
HK$60,396
baseline
▲ 0.50% · 4.625%
HK$64,071
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,792/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,225
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,920
−HK$1,721/mo
Today · 4.125%
HK$66,641
baseline
▲ 0.50% · 4.625%
HK$70,153
+HK$3,512/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,282/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,198
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,319
−HK$2,156/mo
Today · 4.125%
HK$72,475
baseline
▲ 0.50% · 4.625%
HK$76,885
+HK$4,410/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,950/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,870
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,905
−HK$2,064/mo
Today · 4.125%
HK$79,969
baseline
▲ 0.50% · 4.625%
HK$84,184
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,938/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,564
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,039
−HK$2,515/mo
Today · 4.125%
HK$84,554
baseline
▲ 0.50% · 4.625%
HK$89,699
+HK$5,145/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,108/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,515
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,889
−HK$2,408/mo
Today · 4.125%
HK$93,297
baseline
▲ 0.50% · 4.625%
HK$98,215
+HK$4,918/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,594/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,297
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$105,479
−HK$3,233/mo
Today · 4.125%
HK$108,712
baseline
▲ 0.50% · 4.625%
HK$115,327
+HK$6,615/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,424/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,805
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,857
−HK$3,096/mo
Today · 4.125%
HK$119,953
baseline
▲ 0.50% · 4.625%
HK$126,276
+HK$6,323/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,906/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,245 · Scale 2, in force from 26 Feb 2026)