LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,687
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,513
−HK$1,854/mo
Today · 4.125%
HK$62,367
baseline
▲ 0.50% · 4.625%
HK$66,162
+HK$3,795/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,734/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,289
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,040
−HK$1,776/mo
Today · 4.125%
HK$68,816
baseline
▲ 0.50% · 4.625%
HK$72,444
+HK$3,628/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,632/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,425
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,615
−HK$2,226/mo
Today · 4.125%
HK$74,841
baseline
▲ 0.50% · 4.625%
HK$79,395
+HK$4,554/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$149,682/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,347
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,448
−HK$2,132/mo
Today · 4.125%
HK$82,580
baseline
▲ 0.50% · 4.625%
HK$86,932
+HK$4,352/mo
Deposit HK$10.29M · loan HK$15.44M · min. income ≈ HK$165,160/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,162
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$84,718
−HK$2,596/mo
Today · 4.125%
HK$87,314
baseline
▲ 0.50% · 4.625%
HK$92,627
+HK$5,313/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,628/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,405
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$93,856
−HK$2,487/mo
Today · 4.125%
HK$96,343
baseline
▲ 0.50% · 4.625%
HK$101,421
+HK$5,078/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,686/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,093,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,637
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,923
−HK$3,338/mo
Today · 4.125%
HK$112,261
baseline
▲ 0.50% · 4.625%
HK$119,092
+HK$6,831/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$224,522/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,520
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,672
−HK$3,197/mo
Today · 4.125%
HK$123,869
baseline
▲ 0.50% · 4.625%
HK$130,399
+HK$6,530/mo
Deposit HK$2.57M · loan HK$23.16M · min. income ≈ HK$247,738/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,828 · Scale 2, in force from 26 Feb 2026)