LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,134
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$60,973
−HK$1,869/mo
Today · 4.125%
HK$62,842
baseline
▲ 0.50% · 4.625%
HK$66,666
+HK$3,824/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,684/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,786
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,550
−HK$1,790/mo
Today · 4.125%
HK$69,340
baseline
▲ 0.50% · 4.625%
HK$72,995
+HK$3,655/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,680/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,961
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,168
−HK$2,243/mo
Today · 4.125%
HK$75,411
baseline
▲ 0.50% · 4.625%
HK$79,999
+HK$4,588/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,822/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,943
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,060
−HK$2,148/mo
Today · 4.125%
HK$83,208
baseline
▲ 0.50% · 4.625%
HK$87,594
+HK$4,386/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,416/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,787
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,363
−HK$2,616/mo
Today · 4.125%
HK$87,979
baseline
▲ 0.50% · 4.625%
HK$93,332
+HK$5,353/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,958/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,100
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,570
−HK$2,506/mo
Today · 4.125%
HK$97,076
baseline
▲ 0.50% · 4.625%
HK$102,193
+HK$5,117/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,152/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,441
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,752
−HK$3,364/mo
Today · 4.125%
HK$113,116
baseline
▲ 0.50% · 4.625%
HK$119,999
+HK$6,883/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$226,232/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,415
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$121,590
−HK$3,222/mo
Today · 4.125%
HK$124,812
baseline
▲ 0.50% · 4.625%
HK$131,391
+HK$6,579/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$249,624/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,153 · Scale 2, in force from 26 Feb 2026)