LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,138
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,978
−HK$1,869/mo
Today · 4.125%
HK$62,847
baseline
▲ 0.50% · 4.625%
HK$66,671
+HK$3,824/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,694/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,791
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,555
−HK$1,790/mo
Today · 4.125%
HK$69,345
baseline
▲ 0.50% · 4.625%
HK$73,000
+HK$3,655/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,690/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,966
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,173
−HK$2,243/mo
Today · 4.125%
HK$75,416
baseline
▲ 0.50% · 4.625%
HK$80,005
+HK$4,589/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,832/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,949
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,066
−HK$2,148/mo
Today · 4.125%
HK$83,214
baseline
▲ 0.50% · 4.625%
HK$87,601
+HK$4,387/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,428/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,794
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,369
−HK$2,616/mo
Today · 4.125%
HK$87,985
baseline
▲ 0.50% · 4.625%
HK$93,339
+HK$5,354/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,970/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,107
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,577
−HK$2,506/mo
Today · 4.125%
HK$97,083
baseline
▲ 0.50% · 4.625%
HK$102,201
+HK$5,118/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,166/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,449
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,760
−HK$3,364/mo
Today · 4.125%
HK$113,124
baseline
▲ 0.50% · 4.625%
HK$120,007
+HK$6,883/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$226,248/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,423
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$121,599
−HK$3,222/mo
Today · 4.125%
HK$124,821
baseline
▲ 0.50% · 4.625%
HK$131,401
+HK$6,580/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$249,642/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,234 · Scale 2, in force from 26 Feb 2026)