LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,749
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,576
−HK$1,857/mo
Today · 4.125%
HK$62,433
baseline
▲ 0.50% · 4.625%
HK$66,232
+HK$3,799/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,866/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,094,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,358
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,110
−HK$1,779/mo
Today · 4.125%
HK$68,889
baseline
▲ 0.50% · 4.625%
HK$72,520
+HK$3,631/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,778/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,094,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,499
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,692
−HK$2,228/mo
Today · 4.125%
HK$74,920
baseline
▲ 0.50% · 4.625%
HK$79,478
+HK$4,558/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,840/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,429
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,533
−HK$2,133/mo
Today · 4.125%
HK$82,666
baseline
▲ 0.50% · 4.625%
HK$87,024
+HK$4,358/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,332/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,248
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,807
−HK$2,599/mo
Today · 4.125%
HK$87,406
baseline
▲ 0.50% · 4.625%
HK$92,725
+HK$5,319/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,812/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,501
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,955
−HK$2,489/mo
Today · 4.125%
HK$96,444
baseline
▲ 0.50% · 4.625%
HK$101,528
+HK$5,084/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,888/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,748
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$109,037
−HK$3,342/mo
Today · 4.125%
HK$112,379
baseline
▲ 0.50% · 4.625%
HK$119,217
+HK$6,838/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,758/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,644
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$120,799
−HK$3,201/mo
Today · 4.125%
HK$124,000
baseline
▲ 0.50% · 4.625%
HK$130,536
+HK$6,536/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,000/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,978 · Scale 2, in force from 26 Feb 2026)