LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,863
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,632
−HK$1,797/mo
Today · 4.125%
HK$60,429
baseline
▲ 0.50% · 4.625%
HK$64,106
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,858/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,260
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,956
−HK$1,721/mo
Today · 4.125%
HK$66,677
baseline
▲ 0.50% · 4.625%
HK$70,192
+HK$3,515/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$1,059,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,236
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,358
−HK$2,157/mo
Today · 4.125%
HK$72,515
baseline
▲ 0.50% · 4.625%
HK$76,927
+HK$4,412/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$145,030/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,912
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,948
−HK$2,065/mo
Today · 4.125%
HK$80,013
baseline
▲ 0.50% · 4.625%
HK$84,230
+HK$4,217/mo
Deposit HK$9.97M · loan HK$14.96M · min. income ≈ HK$160,026/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,059,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,608
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,085
−HK$2,516/mo
Today · 4.125%
HK$84,601
baseline
▲ 0.50% · 4.625%
HK$89,748
+HK$5,147/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,202/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,564
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,939
−HK$2,409/mo
Today · 4.125%
HK$93,348
baseline
▲ 0.50% · 4.625%
HK$98,269
+HK$4,921/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,696/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,354
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,537
−HK$3,235/mo
Today · 4.125%
HK$108,772
baseline
▲ 0.50% · 4.625%
HK$115,391
+HK$6,619/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,544/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,867
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,921
−HK$3,098/mo
Today · 4.125%
HK$120,019
baseline
▲ 0.50% · 4.625%
HK$126,346
+HK$6,327/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,038/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,830 · Scale 2, in force from 26 Feb 2026)