LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,685
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,510
−HK$1,855/mo
Today · 4.125%
HK$62,365
baseline
▲ 0.50% · 4.625%
HK$66,159
+HK$3,794/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,730/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,286
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,037
−HK$1,776/mo
Today · 4.125%
HK$68,813
baseline
▲ 0.50% · 4.625%
HK$72,441
+HK$3,628/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,626/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,422
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,612
−HK$2,226/mo
Today · 4.125%
HK$74,838
baseline
▲ 0.50% · 4.625%
HK$79,391
+HK$4,553/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,676/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,343
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,444
−HK$2,132/mo
Today · 4.125%
HK$82,576
baseline
▲ 0.50% · 4.625%
HK$86,929
+HK$4,353/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,152/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,158
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,714
−HK$2,597/mo
Today · 4.125%
HK$87,311
baseline
▲ 0.50% · 4.625%
HK$92,623
+HK$5,312/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,622/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,400
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,852
−HK$2,487/mo
Today · 4.125%
HK$96,339
baseline
▲ 0.50% · 4.625%
HK$101,417
+HK$5,078/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,678/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,632
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,918
−HK$3,338/mo
Today · 4.125%
HK$112,256
baseline
▲ 0.50% · 4.625%
HK$119,087
+HK$6,831/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,512/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,515
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,667
−HK$3,197/mo
Today · 4.125%
HK$123,864
baseline
▲ 0.50% · 4.625%
HK$130,393
+HK$6,529/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,728/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,780 · Scale 2, in force from 26 Feb 2026)