LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,666
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,491
−HK$1,854/mo
Today · 4.125%
HK$62,345
baseline
▲ 0.50% · 4.625%
HK$66,138
+HK$3,793/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,690/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,265
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,016
−HK$1,775/mo
Today · 4.125%
HK$68,791
baseline
▲ 0.50% · 4.625%
HK$72,418
+HK$3,627/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,582/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,399
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,589
−HK$2,225/mo
Today · 4.125%
HK$74,814
baseline
▲ 0.50% · 4.625%
HK$79,366
+HK$4,552/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,628/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,318
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,419
−HK$2,131/mo
Today · 4.125%
HK$82,550
baseline
▲ 0.50% · 4.625%
HK$86,901
+HK$4,351/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,100/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,093,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,132
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,687
−HK$2,596/mo
Today · 4.125%
HK$87,283
baseline
▲ 0.50% · 4.625%
HK$92,594
+HK$5,311/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,566/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,372
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$93,822
−HK$2,486/mo
Today · 4.125%
HK$96,308
baseline
▲ 0.50% · 4.625%
HK$101,385
+HK$5,077/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,616/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,599
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,884
−HK$3,337/mo
Today · 4.125%
HK$112,221
baseline
▲ 0.50% · 4.625%
HK$119,049
+HK$6,828/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,442/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,478
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,628
−HK$3,197/mo
Today · 4.125%
HK$123,825
baseline
▲ 0.50% · 4.625%
HK$130,352
+HK$6,527/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,650/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,434 · Scale 2, in force from 26 Feb 2026)