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$64,078
+HK$3,676/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$1,059,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,232
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,928
−HK$1,720/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$1,059,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,206
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,327
−HK$2,156/mo
Today · 4.125%
HK$72,483
baseline
▲ 0.50% · 4.625%
HK$76,893
+HK$4,410/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,966/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,878
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,913
−HK$2,065/mo
Today · 4.125%
HK$79,978
baseline
▲ 0.50% · 4.625%
HK$84,193
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,956/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,363 · 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$89,709
+HK$5,146/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$1,059,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,524
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,899
−HK$2,408/mo
Today · 4.125%
HK$93,307
baseline
▲ 0.50% · 4.625%
HK$98,226
+HK$4,919/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$1,059,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,309
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$105,491
−HK$3,233/mo
Today · 4.125%
HK$108,724
baseline
▲ 0.50% · 4.625%
HK$115,340
+HK$6,616/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$1,059,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,817
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,870
−HK$3,096/mo
Today · 4.125%
HK$119,966
baseline
▲ 0.50% · 4.625%
HK$126,290
+HK$6,324/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$1,059,363 · Scale 2, in force from 26 Feb 2026)