LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,867
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,635
−HK$1,798/mo
Today · 4.125%
HK$60,433
baseline
▲ 0.50% · 4.625%
HK$64,110
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,866/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,264
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,960
−HK$1,721/mo
Today · 4.125%
HK$66,681
baseline
▲ 0.50% · 4.625%
HK$70,196
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,362/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,240
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,363
−HK$2,156/mo
Today · 4.125%
HK$72,519
baseline
▲ 0.50% · 4.625%
HK$76,932
+HK$4,413/mo
Deposit HK$9.98M · loan HK$14.96M · min. income ≈ HK$145,038/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,059,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,916
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,952
−HK$2,066/mo
Today · 4.125%
HK$80,018
baseline
▲ 0.50% · 4.625%
HK$84,236
+HK$4,218/mo
Deposit HK$9.98M · loan HK$14.96M · min. income ≈ HK$160,036/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,059,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,613
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,090
−HK$2,516/mo
Today · 4.125%
HK$84,606
baseline
▲ 0.50% · 4.625%
HK$89,754
+HK$5,148/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,212/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,569
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,944
−HK$2,410/mo
Today · 4.125%
HK$93,354
baseline
▲ 0.50% · 4.625%
HK$98,275
+HK$4,921/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,708/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,360
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,544
−HK$3,235/mo
Today · 4.125%
HK$108,779
baseline
▲ 0.50% · 4.625%
HK$115,398
+HK$6,619/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$217,558/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,874
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,928
−HK$3,099/mo
Today · 4.125%
HK$120,027
baseline
▲ 0.50% · 4.625%
HK$126,353
+HK$6,326/mo
Deposit HK$2.49M · loan HK$22.44M · min. income ≈ HK$240,054/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,894 · Scale 2, in force from 26 Feb 2026)