LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,858
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,627
−HK$1,796/mo
Today · 4.125%
HK$60,423
baseline
▲ 0.50% · 4.625%
HK$64,100
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,846/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,254
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,950
−HK$1,721/mo
Today · 4.125%
HK$66,671
baseline
▲ 0.50% · 4.625%
HK$70,186
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,342/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,229
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,352
−HK$2,156/mo
Today · 4.125%
HK$72,508
baseline
▲ 0.50% · 4.625%
HK$76,920
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,016/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,905
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,940
−HK$2,066/mo
Today · 4.125%
HK$80,006
baseline
▲ 0.50% · 4.625%
HK$84,223
+HK$4,217/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$160,012/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,601
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,077
−HK$2,516/mo
Today · 4.125%
HK$84,593
baseline
▲ 0.50% · 4.625%
HK$89,740
+HK$5,147/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,186/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,555
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,930
−HK$2,410/mo
Today · 4.125%
HK$93,340
baseline
▲ 0.50% · 4.625%
HK$98,260
+HK$4,920/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,680/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,344
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,528
−HK$3,234/mo
Today · 4.125%
HK$108,762
baseline
▲ 0.50% · 4.625%
HK$115,380
+HK$6,618/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,524/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,857
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,911
−HK$3,097/mo
Today · 4.125%
HK$120,008
baseline
▲ 0.50% · 4.625%
HK$126,334
+HK$6,326/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,016/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,733 · Scale 2, in force from 26 Feb 2026)