LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,133
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,972
−HK$1,869/mo
Today · 4.125%
HK$62,841
baseline
▲ 0.50% · 4.625%
HK$66,665
+HK$3,824/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,682/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,785
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,549
−HK$1,790/mo
Today · 4.125%
HK$69,339
baseline
▲ 0.50% · 4.625%
HK$72,994
+HK$3,655/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,678/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,959
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,167
−HK$2,242/mo
Today · 4.125%
HK$75,409
baseline
▲ 0.50% · 4.625%
HK$79,998
+HK$4,589/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,818/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,942
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,059
−HK$2,148/mo
Today · 4.125%
HK$83,207
baseline
▲ 0.50% · 4.625%
HK$87,593
+HK$4,386/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,414/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,786
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,361
−HK$2,616/mo
Today · 4.125%
HK$87,977
baseline
▲ 0.50% · 4.625%
HK$93,331
+HK$5,354/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,954/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,099
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,569
−HK$2,505/mo
Today · 4.125%
HK$97,074
baseline
▲ 0.50% · 4.625%
HK$102,191
+HK$5,117/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,148/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,439
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,750
−HK$3,364/mo
Today · 4.125%
HK$113,114
baseline
▲ 0.50% · 4.625%
HK$119,997
+HK$6,883/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$226,228/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,413
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$121,588
−HK$3,222/mo
Today · 4.125%
HK$124,810
baseline
▲ 0.50% · 4.625%
HK$131,389
+HK$6,579/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$249,620/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,134 · Scale 2, in force from 26 Feb 2026)