LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,155
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$60,995
−HK$1,870/mo
Today · 4.125%
HK$62,865
baseline
▲ 0.50% · 4.625%
HK$66,690
+HK$3,825/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,730/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,810
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$67,575
−HK$1,790/mo
Today · 4.125%
HK$69,365
baseline
▲ 0.50% · 4.625%
HK$73,021
+HK$3,656/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,730/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,986
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,194
−HK$2,244/mo
Today · 4.125%
HK$75,438
baseline
▲ 0.50% · 4.625%
HK$80,028
+HK$4,590/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,876/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,971
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,089
−HK$2,149/mo
Today · 4.125%
HK$83,238
baseline
▲ 0.50% · 4.625%
HK$87,626
+HK$4,388/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,476/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,817
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,393
−HK$2,618/mo
Today · 4.125%
HK$88,011
baseline
▲ 0.50% · 4.625%
HK$93,366
+HK$5,355/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,022/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,133
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,604
−HK$2,507/mo
Today · 4.125%
HK$97,111
baseline
▲ 0.50% · 4.625%
HK$102,230
+HK$5,119/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,222/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,479
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$109,791
−HK$3,366/mo
Today · 4.125%
HK$113,157
baseline
▲ 0.50% · 4.625%
HK$120,042
+HK$6,885/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,314/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,457
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$121,634
−HK$3,223/mo
Today · 4.125%
HK$124,857
baseline
▲ 0.50% · 4.625%
HK$131,438
+HK$6,581/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,714/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,550 · Scale 2, in force from 26 Feb 2026)