LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,652
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,476
−HK$1,854/mo
Today · 4.125%
HK$62,330
baseline
▲ 0.50% · 4.625%
HK$66,123
+HK$3,793/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,660/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,250
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$67,000
−HK$1,775/mo
Today · 4.125%
HK$68,775
baseline
▲ 0.50% · 4.625%
HK$72,400
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,550/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,382
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,572
−HK$2,224/mo
Today · 4.125%
HK$74,796
baseline
▲ 0.50% · 4.625%
HK$79,347
+HK$4,551/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,592/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,300
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,400
−HK$2,130/mo
Today · 4.125%
HK$82,530
baseline
▲ 0.50% · 4.625%
HK$86,880
+HK$4,350/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,060/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,113
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$84,667
−HK$2,595/mo
Today · 4.125%
HK$87,262
baseline
▲ 0.50% · 4.625%
HK$92,572
+HK$5,310/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,524/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,350
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,800
−HK$2,485/mo
Today · 4.125%
HK$96,285
baseline
▲ 0.50% · 4.625%
HK$101,360
+HK$5,075/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,570/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,574
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$108,857
−HK$3,337/mo
Today · 4.125%
HK$112,194
baseline
▲ 0.50% · 4.625%
HK$119,021
+HK$6,827/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,388/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,449
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,599
−HK$3,196/mo
Today · 4.125%
HK$123,795
baseline
▲ 0.50% · 4.625%
HK$130,320
+HK$6,525/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,590/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,170 · Scale 2, in force from 26 Feb 2026)