LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,143
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,983
−HK$1,869/mo
Today · 4.125%
HK$62,852
baseline
▲ 0.50% · 4.625%
HK$66,676
+HK$3,824/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,704/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,796
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,561
−HK$1,790/mo
Today · 4.125%
HK$69,351
baseline
▲ 0.50% · 4.625%
HK$73,006
+HK$3,655/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,702/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,972
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,179
−HK$2,243/mo
Today · 4.125%
HK$75,422
baseline
▲ 0.50% · 4.625%
HK$80,012
+HK$4,590/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,844/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,955
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,073
−HK$2,148/mo
Today · 4.125%
HK$83,221
baseline
▲ 0.50% · 4.625%
HK$87,608
+HK$4,387/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,442/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,800
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,376
−HK$2,617/mo
Today · 4.125%
HK$87,993
baseline
▲ 0.50% · 4.625%
HK$93,347
+HK$5,354/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$175,986/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,115
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,585
−HK$2,506/mo
Today · 4.125%
HK$97,091
baseline
▲ 0.50% · 4.625%
HK$102,209
+HK$5,118/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,182/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,102,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,458
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$109,769
−HK$3,364/mo
Today · 4.125%
HK$113,133
baseline
▲ 0.50% · 4.625%
HK$120,017
+HK$6,884/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$226,266/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,433
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$121,609
−HK$3,223/mo
Today · 4.125%
HK$124,832
baseline
▲ 0.50% · 4.625%
HK$131,412
+HK$6,580/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$249,664/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,325 · Scale 2, in force from 26 Feb 2026)