LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,856
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,624
−HK$1,797/mo
Today · 4.125%
HK$60,421
baseline
▲ 0.50% · 4.625%
HK$64,097
+HK$3,676/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,842/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,251
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,948
−HK$1,721/mo
Today · 4.125%
HK$66,669
baseline
▲ 0.50% · 4.625%
HK$70,183
+HK$3,514/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,338/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,227
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,349
−HK$2,156/mo
Today · 4.125%
HK$72,505
baseline
▲ 0.50% · 4.625%
HK$76,917
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,010/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,901
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,937
−HK$2,065/mo
Today · 4.125%
HK$80,002
baseline
▲ 0.50% · 4.625%
HK$84,219
+HK$4,217/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$160,004/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,598
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,074
−HK$2,515/mo
Today · 4.125%
HK$84,589
baseline
▲ 0.50% · 4.625%
HK$89,736
+HK$5,147/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,178/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,552
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,927
−HK$2,409/mo
Today · 4.125%
HK$93,336
baseline
▲ 0.50% · 4.625%
HK$98,256
+HK$4,920/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,672/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,340
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,523
−HK$3,235/mo
Today · 4.125%
HK$108,758
baseline
▲ 0.50% · 4.625%
HK$115,375
+HK$6,617/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,516/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,852
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,906
−HK$3,097/mo
Today · 4.125%
HK$120,003
baseline
▲ 0.50% · 4.625%
HK$126,329
+HK$6,326/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,006/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,689 · Scale 2, in force from 26 Feb 2026)