LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,853
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,622
−HK$1,797/mo
Today · 4.125%
HK$60,419
baseline
▲ 0.50% · 4.625%
HK$64,095
+HK$3,676/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,838/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,249
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,945
−HK$1,721/mo
Today · 4.125%
HK$66,666
baseline
▲ 0.50% · 4.625%
HK$70,180
+HK$3,514/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,332/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,224
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,346
−HK$2,156/mo
Today · 4.125%
HK$72,502
baseline
▲ 0.50% · 4.625%
HK$76,914
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,004/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,899
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,934
−HK$2,065/mo
Today · 4.125%
HK$79,999
baseline
▲ 0.50% · 4.625%
HK$84,216
+HK$4,217/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$159,998/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,595
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,071
−HK$2,515/mo
Today · 4.125%
HK$84,586
baseline
▲ 0.50% · 4.625%
HK$89,733
+HK$5,147/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,172/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,548
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,923
−HK$2,409/mo
Today · 4.125%
HK$93,332
baseline
▲ 0.50% · 4.625%
HK$98,252
+HK$4,920/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,664/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,336
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,519
−HK$3,234/mo
Today · 4.125%
HK$108,753
baseline
▲ 0.50% · 4.625%
HK$115,371
+HK$6,618/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,506/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,848
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,901
−HK$3,098/mo
Today · 4.125%
HK$119,999
baseline
▲ 0.50% · 4.625%
HK$126,324
+HK$6,325/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$239,998/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,648 · Scale 2, in force from 26 Feb 2026)