LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,849
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,617
−HK$1,797/mo
Today · 4.125%
HK$60,414
baseline
▲ 0.50% · 4.625%
HK$64,090
+HK$3,676/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,828/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,244
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,940
−HK$1,721/mo
Today · 4.125%
HK$66,661
baseline
▲ 0.50% · 4.625%
HK$70,174
+HK$3,513/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,322/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,219
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,341
−HK$2,155/mo
Today · 4.125%
HK$72,496
baseline
▲ 0.50% · 4.625%
HK$76,908
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,992/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,892
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,928
−HK$2,065/mo
Today · 4.125%
HK$79,993
baseline
▲ 0.50% · 4.625%
HK$84,209
+HK$4,216/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,986/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,588
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,064
−HK$2,515/mo
Today · 4.125%
HK$84,579
baseline
▲ 0.50% · 4.625%
HK$89,726
+HK$5,147/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,158/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,541
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,916
−HK$2,409/mo
Today · 4.125%
HK$93,325
baseline
▲ 0.50% · 4.625%
HK$98,244
+HK$4,919/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,650/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,328
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,511
−HK$3,234/mo
Today · 4.125%
HK$108,745
baseline
▲ 0.50% · 4.625%
HK$115,362
+HK$6,617/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,490/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,839
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,892
−HK$3,097/mo
Today · 4.125%
HK$119,989
baseline
▲ 0.50% · 4.625%
HK$126,314
+HK$6,325/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$239,978/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,563 · Scale 2, in force from 26 Feb 2026)