LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,792
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,621
−HK$1,858/mo
Today · 4.125%
HK$62,479
baseline
▲ 0.50% · 4.625%
HK$66,281
+HK$3,802/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,958/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,406
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,160
−HK$1,779/mo
Today · 4.125%
HK$68,939
baseline
▲ 0.50% · 4.625%
HK$72,573
+HK$3,634/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,878/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,551
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,745
−HK$2,230/mo
Today · 4.125%
HK$74,975
baseline
▲ 0.50% · 4.625%
HK$79,537
+HK$4,562/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,950/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,487
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,592
−HK$2,135/mo
Today · 4.125%
HK$82,727
baseline
▲ 0.50% · 4.625%
HK$87,088
+HK$4,361/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,454/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,309
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,869
−HK$2,602/mo
Today · 4.125%
HK$87,471
baseline
▲ 0.50% · 4.625%
HK$92,793
+HK$5,322/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$174,942/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,568
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,024
−HK$2,491/mo
Today · 4.125%
HK$96,515
baseline
▲ 0.50% · 4.625%
HK$101,603
+HK$5,088/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$193,030/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,826
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$109,118
−HK$3,344/mo
Today · 4.125%
HK$112,462
baseline
▲ 0.50% · 4.625%
HK$119,305
+HK$6,843/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,924/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,730
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,888
−HK$3,203/mo
Today · 4.125%
HK$124,091
baseline
▲ 0.50% · 4.625%
HK$130,632
+HK$6,541/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,182/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,785 · Scale 2, in force from 26 Feb 2026)