LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,669
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,494
−HK$1,854/mo
Today · 4.125%
HK$62,348
baseline
▲ 0.50% · 4.625%
HK$66,142
+HK$3,794/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,696/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,269
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,019
−HK$1,776/mo
Today · 4.125%
HK$68,795
baseline
▲ 0.50% · 4.625%
HK$72,421
+HK$3,626/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,590/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,403
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,593
−HK$2,225/mo
Today · 4.125%
HK$74,818
baseline
▲ 0.50% · 4.625%
HK$79,370
+HK$4,552/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,636/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,322
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,423
−HK$2,131/mo
Today · 4.125%
HK$82,554
baseline
▲ 0.50% · 4.625%
HK$86,905
+HK$4,351/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,108/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,137
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,691
−HK$2,596/mo
Today · 4.125%
HK$87,287
baseline
▲ 0.50% · 4.625%
HK$92,598
+HK$5,311/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,574/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,376
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,827
−HK$2,486/mo
Today · 4.125%
HK$96,313
baseline
▲ 0.50% · 4.625%
HK$101,390
+HK$5,077/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,626/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,604
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,889
−HK$3,337/mo
Today · 4.125%
HK$112,226
baseline
▲ 0.50% · 4.625%
HK$119,055
+HK$6,829/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,452/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,483
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,634
−HK$3,197/mo
Today · 4.125%
HK$123,831
baseline
▲ 0.50% · 4.625%
HK$130,358
+HK$6,527/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,662/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,487 · Scale 2, in force from 26 Feb 2026)