LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,681
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,506
−HK$1,855/mo
Today · 4.125%
HK$62,361
baseline
▲ 0.50% · 4.625%
HK$66,155
+HK$3,794/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,722/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,282
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,033
−HK$1,776/mo
Today · 4.125%
HK$68,809
baseline
▲ 0.50% · 4.625%
HK$72,436
+HK$3,627/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,618/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,417
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,608
−HK$2,225/mo
Today · 4.125%
HK$74,833
baseline
▲ 0.50% · 4.625%
HK$79,387
+HK$4,554/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,666/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,339
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,440
−HK$2,131/mo
Today · 4.125%
HK$82,571
baseline
▲ 0.50% · 4.625%
HK$86,923
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,142/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,154
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$84,709
−HK$2,596/mo
Today · 4.125%
HK$87,305
baseline
▲ 0.50% · 4.625%
HK$92,618
+HK$5,313/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$174,610/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,395
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,846
−HK$2,487/mo
Today · 4.125%
HK$96,333
baseline
▲ 0.50% · 4.625%
HK$101,411
+HK$5,078/mo
Deposit HK$7.72M · loan HK$18.01M · min. income ≈ HK$192,666/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,626
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,912
−HK$3,338/mo
Today · 4.125%
HK$112,250
baseline
▲ 0.50% · 4.625%
HK$119,080
+HK$6,830/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,500/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,508
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,659
−HK$3,197/mo
Today · 4.125%
HK$123,856
baseline
▲ 0.50% · 4.625%
HK$130,385
+HK$6,529/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,712/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,714 · Scale 2, in force from 26 Feb 2026)