LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,839
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,607
−HK$1,797/mo
Today · 4.125%
HK$60,404
baseline
▲ 0.50% · 4.625%
HK$64,079
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,808/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,233
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,929
−HK$1,720/mo
Today · 4.125%
HK$66,649
baseline
▲ 0.50% · 4.625%
HK$70,163
+HK$3,514/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$1,059,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,207
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,329
−HK$2,155/mo
Today · 4.125%
HK$72,484
baseline
▲ 0.50% · 4.625%
HK$76,895
+HK$4,411/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$1,059,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,880
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,915
−HK$2,064/mo
Today · 4.125%
HK$79,979
baseline
▲ 0.50% · 4.625%
HK$84,195
+HK$4,216/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$1,059,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,575
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,050
−HK$2,515/mo
Today · 4.125%
HK$84,565
baseline
▲ 0.50% · 4.625%
HK$89,711
+HK$5,146/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,130/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,526
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,901
−HK$2,408/mo
Today · 4.125%
HK$93,309
baseline
▲ 0.50% · 4.625%
HK$98,228
+HK$4,919/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,618/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,311
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$105,493
−HK$3,233/mo
Today · 4.125%
HK$108,726
baseline
▲ 0.50% · 4.625%
HK$115,342
+HK$6,616/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$1,059,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,820
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,872
−HK$3,097/mo
Today · 4.125%
HK$119,969
baseline
▲ 0.50% · 4.625%
HK$126,293
+HK$6,324/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,938/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,385 · Scale 2, in force from 26 Feb 2026)