LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,694
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,520
−HK$1,854/mo
Today · 4.125%
HK$62,374
baseline
▲ 0.50% · 4.625%
HK$66,170
+HK$3,796/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$124,748/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,296
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,047
−HK$1,777/mo
Today · 4.125%
HK$68,824
baseline
▲ 0.50% · 4.625%
HK$72,452
+HK$3,628/mo
Deposit HK$12.87M · loan HK$12.87M · min. income ≈ HK$137,648/mo (50% DSR)
Upfront cash ≈ HK$13.96M (deposit + AVD stamp duty HK$1,093,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,433
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,623
−HK$2,226/mo
Today · 4.125%
HK$74,849
baseline
▲ 0.50% · 4.625%
HK$79,404
+HK$4,555/mo
Deposit HK$10.30M · loan HK$15.44M · min. income ≈ HK$149,698/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,356
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,457
−HK$2,132/mo
Today · 4.125%
HK$82,589
baseline
▲ 0.50% · 4.625%
HK$86,942
+HK$4,353/mo
Deposit HK$10.30M · loan HK$15.44M · min. income ≈ HK$165,178/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,093,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,171
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,727
−HK$2,597/mo
Today · 4.125%
HK$87,324
baseline
▲ 0.50% · 4.625%
HK$92,638
+HK$5,314/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$174,648/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,093,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,415
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,866
−HK$2,488/mo
Today · 4.125%
HK$96,354
baseline
▲ 0.50% · 4.625%
HK$101,433
+HK$5,079/mo
Deposit HK$7.72M · loan HK$18.02M · min. income ≈ HK$192,708/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,093,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,649
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$108,935
−HK$3,339/mo
Today · 4.125%
HK$112,274
baseline
▲ 0.50% · 4.625%
HK$119,106
+HK$6,832/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$224,548/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,533
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$120,685
−HK$3,198/mo
Today · 4.125%
HK$123,883
baseline
▲ 0.50% · 4.625%
HK$130,413
+HK$6,530/mo
Deposit HK$2.57M · loan HK$23.17M · min. income ≈ HK$247,766/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,093,950 · Scale 2, in force from 26 Feb 2026)