LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,874
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,644
−HK$1,797/mo
Today · 4.125%
HK$60,441
baseline
▲ 0.50% · 4.625%
HK$64,119
+HK$3,678/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$120,882/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,272
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,969
−HK$1,722/mo
Today · 4.125%
HK$66,691
baseline
▲ 0.50% · 4.625%
HK$70,206
+HK$3,515/mo
Deposit HK$12.47M · loan HK$12.47M · min. income ≈ HK$133,382/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,060,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,249
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,372
−HK$2,157/mo
Today · 4.125%
HK$72,529
baseline
▲ 0.50% · 4.625%
HK$76,942
+HK$4,413/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$145,058/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,927
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,963
−HK$2,066/mo
Today · 4.125%
HK$80,029
baseline
▲ 0.50% · 4.625%
HK$84,247
+HK$4,218/mo
Deposit HK$9.98M · loan HK$14.97M · min. income ≈ HK$160,058/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,624
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,101
−HK$2,516/mo
Today · 4.125%
HK$84,617
baseline
▲ 0.50% · 4.625%
HK$89,766
+HK$5,149/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$169,234/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,581
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,957
−HK$2,410/mo
Today · 4.125%
HK$93,367
baseline
▲ 0.50% · 4.625%
HK$98,288
+HK$4,921/mo
Deposit HK$7.48M · loan HK$17.46M · min. income ≈ HK$186,734/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$1,060,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,374
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,558
−HK$3,236/mo
Today · 4.125%
HK$108,794
baseline
▲ 0.50% · 4.625%
HK$115,414
+HK$6,620/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$217,588/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,890
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,945
−HK$3,098/mo
Today · 4.125%
HK$120,043
baseline
▲ 0.50% · 4.625%
HK$126,371
+HK$6,328/mo
Deposit HK$2.49M · loan HK$22.45M · min. income ≈ HK$240,086/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$1,060,041 · Scale 2, in force from 26 Feb 2026)