LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,841
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,609
−HK$1,797/mo
Today · 4.125%
HK$60,406
baseline
▲ 0.50% · 4.625%
HK$64,081
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,812/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,235
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,931
−HK$1,721/mo
Today · 4.125%
HK$66,652
baseline
▲ 0.50% · 4.625%
HK$70,165
+HK$3,513/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,304/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,209
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,331
−HK$2,156/mo
Today · 4.125%
HK$72,487
baseline
▲ 0.50% · 4.625%
HK$76,897
+HK$4,410/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,974/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,882
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,917
−HK$2,065/mo
Today · 4.125%
HK$79,982
baseline
▲ 0.50% · 4.625%
HK$84,198
+HK$4,216/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,964/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,578
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,053
−HK$2,515/mo
Today · 4.125%
HK$84,568
baseline
▲ 0.50% · 4.625%
HK$89,714
+HK$5,146/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,136/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,529
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,904
−HK$2,408/mo
Today · 4.125%
HK$93,312
baseline
▲ 0.50% · 4.625%
HK$98,231
+HK$4,919/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,624/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,314
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,497
−HK$3,233/mo
Today · 4.125%
HK$108,730
baseline
▲ 0.50% · 4.625%
HK$115,346
+HK$6,616/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$217,460/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,823
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,876
−HK$3,097/mo
Today · 4.125%
HK$119,973
baseline
▲ 0.50% · 4.625%
HK$126,297
+HK$6,324/mo
Deposit HK$2.49M · loan HK$22.43M · min. income ≈ HK$239,946/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,420 · Scale 2, in force from 26 Feb 2026)