LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,673
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$60,498
−HK$1,854/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$1,093,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,273
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,024
−HK$1,776/mo
Today · 4.125%
HK$68,800
baseline
▲ 0.50% · 4.625%
HK$72,426
+HK$3,626/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,600/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,408
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,598
−HK$2,225/mo
Today · 4.125%
HK$74,823
baseline
▲ 0.50% · 4.625%
HK$79,376
+HK$4,553/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,646/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,328
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,429
−HK$2,131/mo
Today · 4.125%
HK$82,560
baseline
▲ 0.50% · 4.625%
HK$86,912
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,120/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,142
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,698
−HK$2,595/mo
Today · 4.125%
HK$87,293
baseline
▲ 0.50% · 4.625%
HK$92,605
+HK$5,312/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,586/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,383
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,833
−HK$2,487/mo
Today · 4.125%
HK$96,320
baseline
▲ 0.50% · 4.625%
HK$101,397
+HK$5,077/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,640/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,612
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,897
−HK$3,337/mo
Today · 4.125%
HK$112,234
baseline
▲ 0.50% · 4.625%
HK$119,064
+HK$6,830/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,468/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,492
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,643
−HK$3,197/mo
Today · 4.125%
HK$123,840
baseline
▲ 0.50% · 4.625%
HK$130,367
+HK$6,527/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,680/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,566 · Scale 2, in force from 26 Feb 2026)