LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,670
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,495
−HK$1,854/mo
Today · 4.125%
HK$62,349
baseline
▲ 0.50% · 4.625%
HK$66,143
+HK$3,794/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,698/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,270
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,020
−HK$1,776/mo
Today · 4.125%
HK$68,796
baseline
▲ 0.50% · 4.625%
HK$72,422
+HK$3,626/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,592/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,404
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,594
−HK$2,225/mo
Today · 4.125%
HK$74,819
baseline
▲ 0.50% · 4.625%
HK$79,371
+HK$4,552/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,638/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,324
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,424
−HK$2,131/mo
Today · 4.125%
HK$82,555
baseline
▲ 0.50% · 4.625%
HK$86,907
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,110/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,138
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,693
−HK$2,596/mo
Today · 4.125%
HK$87,289
baseline
▲ 0.50% · 4.625%
HK$92,600
+HK$5,311/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,578/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,378
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,828
−HK$2,487/mo
Today · 4.125%
HK$96,315
baseline
▲ 0.50% · 4.625%
HK$101,391
+HK$5,076/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,630/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,606
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,891
−HK$3,337/mo
Today · 4.125%
HK$112,228
baseline
▲ 0.50% · 4.625%
HK$119,057
+HK$6,829/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,456/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,486
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,636
−HK$3,197/mo
Today · 4.125%
HK$123,833
baseline
▲ 0.50% · 4.625%
HK$130,360
+HK$6,527/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,666/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,507 · Scale 2, in force from 26 Feb 2026)