LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,157
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$60,997
−HK$1,869/mo
Today · 4.125%
HK$62,866
baseline
▲ 0.50% · 4.625%
HK$66,692
+HK$3,826/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,732/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,811
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,576
−HK$1,791/mo
Today · 4.125%
HK$69,367
baseline
▲ 0.50% · 4.625%
HK$73,023
+HK$3,656/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,734/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,102,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,988
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,196
−HK$2,243/mo
Today · 4.125%
HK$75,439
baseline
▲ 0.50% · 4.625%
HK$80,030
+HK$4,591/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,878/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,973
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,091
−HK$2,149/mo
Today · 4.125%
HK$83,240
baseline
▲ 0.50% · 4.625%
HK$87,628
+HK$4,388/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,480/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,819
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,395
−HK$2,618/mo
Today · 4.125%
HK$88,013
baseline
▲ 0.50% · 4.625%
HK$93,368
+HK$5,355/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,026/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,136
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,607
−HK$2,506/mo
Today · 4.125%
HK$97,113
baseline
▲ 0.50% · 4.625%
HK$102,232
+HK$5,119/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,226/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,482
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$109,794
−HK$3,365/mo
Today · 4.125%
HK$113,159
baseline
▲ 0.50% · 4.625%
HK$120,045
+HK$6,886/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,318/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,460
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$121,637
−HK$3,223/mo
Today · 4.125%
HK$124,860
baseline
▲ 0.50% · 4.625%
HK$131,442
+HK$6,582/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,720/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,576 · Scale 2, in force from 26 Feb 2026)