LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,838
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,606
−HK$1,796/mo
Today · 4.125%
HK$60,402
baseline
▲ 0.50% · 4.625%
HK$64,077
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,804/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,231
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,927
−HK$1,721/mo
Today · 4.125%
HK$66,648
baseline
▲ 0.50% · 4.625%
HK$70,161
+HK$3,513/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,296/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,205
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,327
−HK$2,155/mo
Today · 4.125%
HK$72,482
baseline
▲ 0.50% · 4.625%
HK$76,893
+HK$4,411/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,964/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,878
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,913
−HK$2,064/mo
Today · 4.125%
HK$79,977
baseline
▲ 0.50% · 4.625%
HK$84,193
+HK$4,216/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,954/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,573
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,048
−HK$2,515/mo
Today · 4.125%
HK$84,563
baseline
▲ 0.50% · 4.625%
HK$89,708
+HK$5,145/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,126/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,524
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,898
−HK$2,409/mo
Today · 4.125%
HK$93,307
baseline
▲ 0.50% · 4.625%
HK$98,225
+HK$4,918/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,614/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,308
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,490
−HK$3,234/mo
Today · 4.125%
HK$108,724
baseline
▲ 0.50% · 4.625%
HK$115,339
+HK$6,615/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,448/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,817
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,869
−HK$3,097/mo
Today · 4.125%
HK$119,966
baseline
▲ 0.50% · 4.625%
HK$126,289
+HK$6,323/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,932/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,358 · Scale 2, in force from 26 Feb 2026)