LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,680
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,505
−HK$1,855/mo
Today · 4.125%
HK$62,360
baseline
▲ 0.50% · 4.625%
HK$66,154
+HK$3,794/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,720/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,281
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,032
−HK$1,776/mo
Today · 4.125%
HK$68,808
baseline
▲ 0.50% · 4.625%
HK$72,435
+HK$3,627/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,616/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,416
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,606
−HK$2,226/mo
Today · 4.125%
HK$74,832
baseline
▲ 0.50% · 4.625%
HK$79,385
+HK$4,553/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,664/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,337
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,438
−HK$2,132/mo
Today · 4.125%
HK$82,570
baseline
▲ 0.50% · 4.625%
HK$86,922
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,140/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,152
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,708
−HK$2,596/mo
Today · 4.125%
HK$87,304
baseline
▲ 0.50% · 4.625%
HK$92,616
+HK$5,312/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,608/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,393
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,845
−HK$2,486/mo
Today · 4.125%
HK$96,331
baseline
▲ 0.50% · 4.625%
HK$101,409
+HK$5,078/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,662/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,624
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,910
−HK$3,338/mo
Today · 4.125%
HK$112,248
baseline
▲ 0.50% · 4.625%
HK$119,078
+HK$6,830/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,496/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,506
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,657
−HK$3,197/mo
Today · 4.125%
HK$123,854
baseline
▲ 0.50% · 4.625%
HK$130,383
+HK$6,529/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,708/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,695 · Scale 2, in force from 26 Feb 2026)