LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,672
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,497
−HK$1,855/mo
Today · 4.125%
HK$62,352
baseline
▲ 0.50% · 4.625%
HK$66,146
+HK$3,794/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,704/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,272
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,023
−HK$1,776/mo
Today · 4.125%
HK$68,799
baseline
▲ 0.50% · 4.625%
HK$72,425
+HK$3,626/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,598/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,407
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,597
−HK$2,225/mo
Today · 4.125%
HK$74,822
baseline
▲ 0.50% · 4.625%
HK$79,375
+HK$4,553/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,644/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,327
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,428
−HK$2,131/mo
Today · 4.125%
HK$82,559
baseline
▲ 0.50% · 4.625%
HK$86,910
+HK$4,351/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,118/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,141
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,696
−HK$2,596/mo
Today · 4.125%
HK$87,292
baseline
▲ 0.50% · 4.625%
HK$92,604
+HK$5,312/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,584/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,381
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,832
−HK$2,486/mo
Today · 4.125%
HK$96,318
baseline
▲ 0.50% · 4.625%
HK$101,396
+HK$5,078/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,636/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,610
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,895
−HK$3,338/mo
Today · 4.125%
HK$112,233
baseline
▲ 0.50% · 4.625%
HK$119,062
+HK$6,829/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,466/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,490
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,641
−HK$3,197/mo
Today · 4.125%
HK$123,838
baseline
▲ 0.50% · 4.625%
HK$130,366
+HK$6,528/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,676/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,552 · Scale 2, in force from 26 Feb 2026)