LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,655
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,479
−HK$1,854/mo
Today · 4.125%
HK$62,333
baseline
▲ 0.50% · 4.625%
HK$66,126
+HK$3,793/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,666/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,253
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$67,003
−HK$1,775/mo
Today · 4.125%
HK$68,778
baseline
▲ 0.50% · 4.625%
HK$72,403
+HK$3,625/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,556/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,093,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,386
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,575
−HK$2,224/mo
Today · 4.125%
HK$74,799
baseline
▲ 0.50% · 4.625%
HK$79,351
+HK$4,552/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,598/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,303
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,403
−HK$2,131/mo
Today · 4.125%
HK$82,534
baseline
▲ 0.50% · 4.625%
HK$86,884
+HK$4,350/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,068/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,116
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,671
−HK$2,595/mo
Today · 4.125%
HK$87,266
baseline
▲ 0.50% · 4.625%
HK$92,576
+HK$5,310/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,532/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,354
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$93,804
−HK$2,485/mo
Today · 4.125%
HK$96,289
baseline
▲ 0.50% · 4.625%
HK$101,365
+HK$5,076/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,578/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,578
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,862
−HK$3,337/mo
Today · 4.125%
HK$112,199
baseline
▲ 0.50% · 4.625%
HK$119,026
+HK$6,827/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,398/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,455
−HK$6,345/mo
▼ 0.25% · 3.875%
HK$120,605
−HK$3,195/mo
Today · 4.125%
HK$123,800
baseline
▲ 0.50% · 4.625%
HK$130,326
+HK$6,526/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,600/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,220 · Scale 2, in force from 26 Feb 2026)