LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,860
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,628
−HK$1,797/mo
Today · 4.125%
HK$60,425
baseline
▲ 0.50% · 4.625%
HK$64,102
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,850/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,256
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,952
−HK$1,721/mo
Today · 4.125%
HK$66,673
baseline
▲ 0.50% · 4.625%
HK$70,188
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,346/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,232
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,354
−HK$2,156/mo
Today · 4.125%
HK$72,510
baseline
▲ 0.50% · 4.625%
HK$76,922
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,020/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,907
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,943
−HK$2,065/mo
Today · 4.125%
HK$80,008
baseline
▲ 0.50% · 4.625%
HK$84,225
+HK$4,217/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$160,016/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,603
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,080
−HK$2,515/mo
Today · 4.125%
HK$84,595
baseline
▲ 0.50% · 4.625%
HK$89,743
+HK$5,148/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$169,190/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,558
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,933
−HK$2,410/mo
Today · 4.125%
HK$93,343
baseline
▲ 0.50% · 4.625%
HK$98,263
+HK$4,920/mo
Deposit HK$7.48M · loan HK$17.45M · min. income ≈ HK$186,686/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,347
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,531
−HK$3,234/mo
Today · 4.125%
HK$108,765
baseline
▲ 0.50% · 4.625%
HK$115,384
+HK$6,619/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,530/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,860
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,914
−HK$3,098/mo
Today · 4.125%
HK$120,012
baseline
▲ 0.50% · 4.625%
HK$126,338
+HK$6,326/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,024/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,765 · Scale 2, in force from 26 Feb 2026)