LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,870
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,639
−HK$1,798/mo
Today · 4.125%
HK$60,437
baseline
▲ 0.50% · 4.625%
HK$64,114
+HK$3,677/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,874/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,268
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,964
−HK$1,722/mo
Today · 4.125%
HK$66,686
baseline
▲ 0.50% · 4.625%
HK$70,201
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,372/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,059,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,244
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,367
−HK$2,157/mo
Today · 4.125%
HK$72,524
baseline
▲ 0.50% · 4.625%
HK$76,937
+HK$4,413/mo
Deposit HK$9.98M · loan HK$14.96M · min. income ≈ HK$145,048/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,059,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,921
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,957
−HK$2,066/mo
Today · 4.125%
HK$80,023
baseline
▲ 0.50% · 4.625%
HK$84,241
+HK$4,218/mo
Deposit HK$9.98M · loan HK$14.96M · min. income ≈ HK$160,046/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,059,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,618
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,095
−HK$2,516/mo
Today · 4.125%
HK$84,611
baseline
▲ 0.50% · 4.625%
HK$89,760
+HK$5,149/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,222/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,575
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,950
−HK$2,410/mo
Today · 4.125%
HK$93,360
baseline
▲ 0.50% · 4.625%
HK$98,281
+HK$4,921/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,720/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,059,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,367
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$105,551
−HK$3,235/mo
Today · 4.125%
HK$108,786
baseline
▲ 0.50% · 4.625%
HK$115,405
+HK$6,619/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,572/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,882
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,936
−HK$3,098/mo
Today · 4.125%
HK$120,034
baseline
▲ 0.50% · 4.625%
HK$126,362
+HK$6,328/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,068/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,059,963 · Scale 2, in force from 26 Feb 2026)