LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,841
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,609
−HK$1,796/mo
Today · 4.125%
HK$60,405
baseline
▲ 0.50% · 4.625%
HK$64,081
+HK$3,676/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,810/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,235
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,931
−HK$1,720/mo
Today · 4.125%
HK$66,651
baseline
▲ 0.50% · 4.625%
HK$70,164
+HK$3,513/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,302/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,209
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,330
−HK$2,156/mo
Today · 4.125%
HK$72,486
baseline
▲ 0.50% · 4.625%
HK$76,897
+HK$4,411/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,972/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,882
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,917
−HK$2,064/mo
Today · 4.125%
HK$79,981
baseline
▲ 0.50% · 4.625%
HK$84,197
+HK$4,216/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,962/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,577
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,052
−HK$2,515/mo
Today · 4.125%
HK$84,567
baseline
▲ 0.50% · 4.625%
HK$89,713
+HK$5,146/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,134/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,528
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,903
−HK$2,408/mo
Today · 4.125%
HK$93,311
baseline
▲ 0.50% · 4.625%
HK$98,230
+HK$4,919/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,622/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,313
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,496
−HK$3,233/mo
Today · 4.125%
HK$108,729
baseline
▲ 0.50% · 4.625%
HK$115,345
+HK$6,616/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,458/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,822
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,875
−HK$3,097/mo
Today · 4.125%
HK$119,972
baseline
▲ 0.50% · 4.625%
HK$126,296
+HK$6,324/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,944/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,410 · Scale 2, in force from 26 Feb 2026)