LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,670
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,495
−HK$1,855/mo
Today · 4.125%
HK$62,350
baseline
▲ 0.50% · 4.625%
HK$66,143
+HK$3,793/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,700/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,270
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,021
−HK$1,776/mo
Today · 4.125%
HK$68,797
baseline
▲ 0.50% · 4.625%
HK$72,423
+HK$3,626/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,594/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,405
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,594
−HK$2,225/mo
Today · 4.125%
HK$74,819
baseline
▲ 0.50% · 4.625%
HK$79,372
+HK$4,553/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$1,093,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,324
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,425
−HK$2,131/mo
Today · 4.125%
HK$82,556
baseline
▲ 0.50% · 4.625%
HK$86,908
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,112/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,139
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$84,694
−HK$2,595/mo
Today · 4.125%
HK$87,289
baseline
▲ 0.50% · 4.625%
HK$92,601
+HK$5,312/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$1,093,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,378
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,829
−HK$2,486/mo
Today · 4.125%
HK$96,315
baseline
▲ 0.50% · 4.625%
HK$101,392
+HK$5,077/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$1,093,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,607
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,892
−HK$3,337/mo
Today · 4.125%
HK$112,229
baseline
▲ 0.50% · 4.625%
HK$119,058
+HK$6,829/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,458/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,486
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,637
−HK$3,197/mo
Today · 4.125%
HK$123,834
baseline
▲ 0.50% · 4.625%
HK$130,361
+HK$6,527/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,668/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,515 · Scale 2, in force from 26 Feb 2026)