LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,862
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,631
−HK$1,797/mo
Today · 4.125%
HK$60,428
baseline
▲ 0.50% · 4.625%
HK$64,105
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,856/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,259
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,955
−HK$1,722/mo
Today · 4.125%
HK$66,677
baseline
▲ 0.50% · 4.625%
HK$70,191
+HK$3,514/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,354/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,235
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,357
−HK$2,157/mo
Today · 4.125%
HK$72,514
baseline
▲ 0.50% · 4.625%
HK$76,926
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,028/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,911
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,947
−HK$2,065/mo
Today · 4.125%
HK$80,012
baseline
▲ 0.50% · 4.625%
HK$84,229
+HK$4,217/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$160,024/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,607
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,084
−HK$2,515/mo
Today · 4.125%
HK$84,599
baseline
▲ 0.50% · 4.625%
HK$89,747
+HK$5,148/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,198/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,562
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,938
−HK$2,409/mo
Today · 4.125%
HK$93,347
baseline
▲ 0.50% · 4.625%
HK$98,268
+HK$4,921/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,694/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,352
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,536
−HK$3,235/mo
Today · 4.125%
HK$108,771
baseline
▲ 0.50% · 4.625%
HK$115,389
+HK$6,618/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,542/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,866
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,920
−HK$3,098/mo
Today · 4.125%
HK$120,018
baseline
▲ 0.50% · 4.625%
HK$126,344
+HK$6,326/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,036/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,817 · Scale 2, in force from 26 Feb 2026)