LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,676
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,501
−HK$1,855/mo
Today · 4.125%
HK$62,356
baseline
▲ 0.50% · 4.625%
HK$66,150
+HK$3,794/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,712/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,277
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$67,027
−HK$1,776/mo
Today · 4.125%
HK$68,803
baseline
▲ 0.50% · 4.625%
HK$72,430
+HK$3,627/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,606/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,411
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,602
−HK$2,225/mo
Today · 4.125%
HK$74,827
baseline
▲ 0.50% · 4.625%
HK$79,380
+HK$4,553/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,654/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,332
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,433
−HK$2,131/mo
Today · 4.125%
HK$82,564
baseline
▲ 0.50% · 4.625%
HK$86,916
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,128/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,147
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,702
−HK$2,596/mo
Today · 4.125%
HK$87,298
baseline
▲ 0.50% · 4.625%
HK$92,610
+HK$5,312/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,596/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,387
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,838
−HK$2,487/mo
Today · 4.125%
HK$96,325
baseline
▲ 0.50% · 4.625%
HK$101,402
+HK$5,077/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,650/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,617
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,902
−HK$3,338/mo
Today · 4.125%
HK$112,240
baseline
▲ 0.50% · 4.625%
HK$119,070
+HK$6,830/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,480/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,498
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,649
−HK$3,197/mo
Today · 4.125%
HK$123,846
baseline
▲ 0.50% · 4.625%
HK$130,374
+HK$6,528/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,692/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,621 · Scale 2, in force from 26 Feb 2026)