LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,839
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,607
−HK$1,796/mo
Today · 4.125%
HK$60,403
baseline
▲ 0.50% · 4.625%
HK$64,078
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,806/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,233
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,928
−HK$1,721/mo
Today · 4.125%
HK$66,649
baseline
▲ 0.50% · 4.625%
HK$70,162
+HK$3,513/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,298/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,207
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,328
−HK$2,156/mo
Today · 4.125%
HK$72,484
baseline
▲ 0.50% · 4.625%
HK$76,894
+HK$4,410/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,968/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,879
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,914
−HK$2,065/mo
Today · 4.125%
HK$79,979
baseline
▲ 0.50% · 4.625%
HK$84,194
+HK$4,215/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,958/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,574
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,050
−HK$2,514/mo
Today · 4.125%
HK$84,564
baseline
▲ 0.50% · 4.625%
HK$89,710
+HK$5,146/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,128/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,526
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,900
−HK$2,408/mo
Today · 4.125%
HK$93,308
baseline
▲ 0.50% · 4.625%
HK$98,227
+HK$4,919/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,616/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,310
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,492
−HK$3,234/mo
Today · 4.125%
HK$108,726
baseline
▲ 0.50% · 4.625%
HK$115,341
+HK$6,615/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,452/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,819
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,871
−HK$3,097/mo
Today · 4.125%
HK$119,968
baseline
▲ 0.50% · 4.625%
HK$126,292
+HK$6,324/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,936/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,377 · Scale 2, in force from 26 Feb 2026)