LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,848
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,616
−HK$1,796/mo
Today · 4.125%
HK$60,412
baseline
▲ 0.50% · 4.625%
HK$64,088
+HK$3,676/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,824/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,242
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,939
−HK$1,720/mo
Today · 4.125%
HK$66,659
baseline
▲ 0.50% · 4.625%
HK$70,173
+HK$3,514/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,318/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,059,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,217
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,339
−HK$2,156/mo
Today · 4.125%
HK$72,495
baseline
▲ 0.50% · 4.625%
HK$76,906
+HK$4,411/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,990/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,891
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,926
−HK$2,065/mo
Today · 4.125%
HK$79,991
baseline
▲ 0.50% · 4.625%
HK$84,207
+HK$4,216/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,982/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,587
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,062
−HK$2,515/mo
Today · 4.125%
HK$84,577
baseline
▲ 0.50% · 4.625%
HK$89,724
+HK$5,147/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,154/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,539
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,914
−HK$2,409/mo
Today · 4.125%
HK$93,323
baseline
▲ 0.50% · 4.625%
HK$98,242
+HK$4,919/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,646/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,326
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,509
−HK$3,233/mo
Today · 4.125%
HK$108,742
baseline
▲ 0.50% · 4.625%
HK$115,359
+HK$6,617/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,484/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,836
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,889
−HK$3,098/mo
Today · 4.125%
HK$119,987
baseline
▲ 0.50% · 4.625%
HK$126,311
+HK$6,324/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$239,974/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,541 · Scale 2, in force from 26 Feb 2026)