LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,843
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,611
−HK$1,796/mo
Today · 4.125%
HK$60,407
baseline
▲ 0.50% · 4.625%
HK$64,083
+HK$3,676/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,814/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,237
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,933
−HK$1,720/mo
Today · 4.125%
HK$66,653
baseline
▲ 0.50% · 4.625%
HK$70,167
+HK$3,514/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,306/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,211
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,333
−HK$2,156/mo
Today · 4.125%
HK$72,489
baseline
▲ 0.50% · 4.625%
HK$76,899
+HK$4,410/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,978/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,884
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,919
−HK$2,065/mo
Today · 4.125%
HK$79,984
baseline
▲ 0.50% · 4.625%
HK$84,200
+HK$4,216/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,968/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,580
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,055
−HK$2,515/mo
Today · 4.125%
HK$84,570
baseline
▲ 0.50% · 4.625%
HK$89,716
+HK$5,146/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,140/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,532
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,906
−HK$2,409/mo
Today · 4.125%
HK$93,315
baseline
▲ 0.50% · 4.625%
HK$98,233
+HK$4,918/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,630/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,317
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,499
−HK$3,234/mo
Today · 4.125%
HK$108,733
baseline
▲ 0.50% · 4.625%
HK$115,349
+HK$6,616/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,466/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,826
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,879
−HK$3,097/mo
Today · 4.125%
HK$119,976
baseline
▲ 0.50% · 4.625%
HK$126,300
+HK$6,324/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$239,952/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,447 · Scale 2, in force from 26 Feb 2026)