LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,128
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,968
−HK$1,868/mo
Today · 4.125%
HK$62,836
baseline
▲ 0.50% · 4.625%
HK$66,660
+HK$3,824/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,672/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,780
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,544
−HK$1,790/mo
Today · 4.125%
HK$69,334
baseline
▲ 0.50% · 4.625%
HK$72,988
+HK$3,654/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,668/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,954
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,161
−HK$2,242/mo
Today · 4.125%
HK$75,403
baseline
▲ 0.50% · 4.625%
HK$79,992
+HK$4,589/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,806/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,102,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,936
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,053
−HK$2,147/mo
Today · 4.125%
HK$83,200
baseline
▲ 0.50% · 4.625%
HK$87,586
+HK$4,386/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,400/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,102,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,780
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,355
−HK$2,616/mo
Today · 4.125%
HK$87,971
baseline
▲ 0.50% · 4.625%
HK$93,323
+HK$5,352/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,942/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,092
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,561
−HK$2,506/mo
Today · 4.125%
HK$97,067
baseline
▲ 0.50% · 4.625%
HK$102,183
+HK$5,116/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,134/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,431
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,742
−HK$3,363/mo
Today · 4.125%
HK$113,105
baseline
▲ 0.50% · 4.625%
HK$119,987
+HK$6,882/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$226,210/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,403
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$121,579
−HK$3,221/mo
Today · 4.125%
HK$124,800
baseline
▲ 0.50% · 4.625%
HK$131,379
+HK$6,579/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$249,600/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,049 · Scale 2, in force from 26 Feb 2026)