LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,850
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,619
−HK$1,796/mo
Today · 4.125%
HK$60,415
baseline
▲ 0.50% · 4.625%
HK$64,092
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,830/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,245
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,942
−HK$1,720/mo
Today · 4.125%
HK$66,662
baseline
▲ 0.50% · 4.625%
HK$70,176
+HK$3,514/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,324/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,220
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,342
−HK$2,156/mo
Today · 4.125%
HK$72,498
baseline
▲ 0.50% · 4.625%
HK$76,910
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,996/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,895
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,930
−HK$2,065/mo
Today · 4.125%
HK$79,995
baseline
▲ 0.50% · 4.625%
HK$84,212
+HK$4,217/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,990/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,591
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,066
−HK$2,516/mo
Today · 4.125%
HK$84,582
baseline
▲ 0.50% · 4.625%
HK$89,728
+HK$5,146/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,164/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,544
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,918
−HK$2,409/mo
Today · 4.125%
HK$93,327
baseline
▲ 0.50% · 4.625%
HK$98,247
+HK$4,920/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,654/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,331
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,514
−HK$3,234/mo
Today · 4.125%
HK$108,748
baseline
▲ 0.50% · 4.625%
HK$115,365
+HK$6,617/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,496/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,842
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,895
−HK$3,097/mo
Today · 4.125%
HK$119,992
baseline
▲ 0.50% · 4.625%
HK$126,317
+HK$6,325/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$239,984/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,592 · Scale 2, in force from 26 Feb 2026)