LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,678
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,503
−HK$1,855/mo
Today · 4.125%
HK$62,358
baseline
▲ 0.50% · 4.625%
HK$66,152
+HK$3,794/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,716/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,279
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,030
−HK$1,776/mo
Today · 4.125%
HK$68,806
baseline
▲ 0.50% · 4.625%
HK$72,432
+HK$3,626/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,612/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,414
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,604
−HK$2,225/mo
Today · 4.125%
HK$74,829
baseline
▲ 0.50% · 4.625%
HK$79,382
+HK$4,553/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,658/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,335
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,435
−HK$2,132/mo
Today · 4.125%
HK$82,567
baseline
▲ 0.50% · 4.625%
HK$86,919
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,134/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,149
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,705
−HK$2,596/mo
Today · 4.125%
HK$87,301
baseline
▲ 0.50% · 4.625%
HK$92,613
+HK$5,312/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,602/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,390
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,841
−HK$2,487/mo
Today · 4.125%
HK$96,328
baseline
▲ 0.50% · 4.625%
HK$101,405
+HK$5,077/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,656/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,621
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,906
−HK$3,338/mo
Today · 4.125%
HK$112,244
baseline
▲ 0.50% · 4.625%
HK$119,074
+HK$6,830/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,488/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,502
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,653
−HK$3,197/mo
Today · 4.125%
HK$123,850
baseline
▲ 0.50% · 4.625%
HK$130,378
+HK$6,528/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,700/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,658 · Scale 2, in force from 26 Feb 2026)