LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,834
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,602
−HK$1,796/mo
Today · 4.125%
HK$60,398
baseline
▲ 0.50% · 4.625%
HK$64,073
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,796/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,227
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,923
−HK$1,720/mo
Today · 4.125%
HK$66,643
baseline
▲ 0.50% · 4.625%
HK$70,156
+HK$3,513/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,286/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,201
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,322
−HK$2,156/mo
Today · 4.125%
HK$72,478
baseline
▲ 0.50% · 4.625%
HK$76,888
+HK$4,410/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$144,956/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,873
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,908
−HK$2,064/mo
Today · 4.125%
HK$79,972
baseline
▲ 0.50% · 4.625%
HK$84,187
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.95M · min. income ≈ HK$159,944/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,568
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,043
−HK$2,514/mo
Today · 4.125%
HK$84,557
baseline
▲ 0.50% · 4.625%
HK$89,702
+HK$5,145/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,114/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,518
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,892
−HK$2,409/mo
Today · 4.125%
HK$93,301
baseline
▲ 0.50% · 4.625%
HK$98,219
+HK$4,918/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,602/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,301
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$105,483
−HK$3,233/mo
Today · 4.125%
HK$108,716
baseline
▲ 0.50% · 4.625%
HK$115,332
+HK$6,616/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,432/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,809
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,861
−HK$3,097/mo
Today · 4.125%
HK$119,958
baseline
▲ 0.50% · 4.625%
HK$126,281
+HK$6,323/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,916/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,287 · Scale 2, in force from 26 Feb 2026)