LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,679
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,504
−HK$1,855/mo
Today · 4.125%
HK$62,359
baseline
▲ 0.50% · 4.625%
HK$66,153
+HK$3,794/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,718/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,280
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,031
−HK$1,776/mo
Today · 4.125%
HK$68,807
baseline
▲ 0.50% · 4.625%
HK$72,434
+HK$3,627/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,614/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,415
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,605
−HK$2,226/mo
Today · 4.125%
HK$74,831
baseline
▲ 0.50% · 4.625%
HK$79,384
+HK$4,553/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,662/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,336
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,437
−HK$2,131/mo
Today · 4.125%
HK$82,568
baseline
▲ 0.50% · 4.625%
HK$86,920
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,136/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,151
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,706
−HK$2,596/mo
Today · 4.125%
HK$87,302
baseline
▲ 0.50% · 4.625%
HK$92,614
+HK$5,312/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,604/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,392
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$93,843
−HK$2,486/mo
Today · 4.125%
HK$96,329
baseline
▲ 0.50% · 4.625%
HK$101,407
+HK$5,078/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,658/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,622
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,908
−HK$3,338/mo
Today · 4.125%
HK$112,246
baseline
▲ 0.50% · 4.625%
HK$119,076
+HK$6,830/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,492/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,504
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,655
−HK$3,197/mo
Today · 4.125%
HK$123,852
baseline
▲ 0.50% · 4.625%
HK$130,381
+HK$6,529/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,704/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,676 · Scale 2, in force from 26 Feb 2026)