LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,844
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,612
−HK$1,797/mo
Today · 4.125%
HK$60,409
baseline
▲ 0.50% · 4.625%
HK$64,084
+HK$3,675/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$120,818/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,238
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,934
−HK$1,721/mo
Today · 4.125%
HK$66,655
baseline
▲ 0.50% · 4.625%
HK$70,168
+HK$3,513/mo
Deposit HK$12.46M · loan HK$12.46M · min. income ≈ HK$133,310/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,213
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,335
−HK$2,155/mo
Today · 4.125%
HK$72,490
baseline
▲ 0.50% · 4.625%
HK$76,901
+HK$4,411/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,980/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,886
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,921
−HK$2,065/mo
Today · 4.125%
HK$79,986
baseline
▲ 0.50% · 4.625%
HK$84,202
+HK$4,216/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,972/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,582
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,057
−HK$2,515/mo
Today · 4.125%
HK$84,572
baseline
▲ 0.50% · 4.625%
HK$89,718
+HK$5,146/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,144/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,534
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,908
−HK$2,409/mo
Today · 4.125%
HK$93,317
baseline
▲ 0.50% · 4.625%
HK$98,236
+HK$4,919/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,634/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,319
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,502
−HK$3,233/mo
Today · 4.125%
HK$108,735
baseline
▲ 0.50% · 4.625%
HK$115,352
+HK$6,617/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,470/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,829
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,882
−HK$3,097/mo
Today · 4.125%
HK$119,979
baseline
▲ 0.50% · 4.625%
HK$126,303
+HK$6,324/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$239,958/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,473 · Scale 2, in force from 26 Feb 2026)