LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,850
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,619
−HK$1,797/mo
Today · 4.125%
HK$60,416
baseline
▲ 0.50% · 4.625%
HK$64,092
+HK$3,676/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,832/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,246
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,942
−HK$1,721/mo
Today · 4.125%
HK$66,663
baseline
▲ 0.50% · 4.625%
HK$70,176
+HK$3,513/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,326/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,221
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,343
−HK$2,156/mo
Today · 4.125%
HK$72,499
baseline
▲ 0.50% · 4.625%
HK$76,910
+HK$4,411/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$144,998/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,594 · 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$1,059,594 · 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$1,059,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,544
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,919
−HK$2,409/mo
Today · 4.125%
HK$93,328
baseline
▲ 0.50% · 4.625%
HK$98,247
+HK$4,919/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,656/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,594 · 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$1,059,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,842
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,895
−HK$3,098/mo
Today · 4.125%
HK$119,993
baseline
▲ 0.50% · 4.625%
HK$126,318
+HK$6,325/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$239,986/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,594 · Scale 2, in force from 26 Feb 2026)