LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,166
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,006
−HK$1,870/mo
Today · 4.125%
HK$62,876
baseline
▲ 0.50% · 4.625%
HK$66,702
+HK$3,826/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,752/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,822
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,587
−HK$1,791/mo
Today · 4.125%
HK$69,378
baseline
▲ 0.50% · 4.625%
HK$73,035
+HK$3,657/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,756/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,999
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,208
−HK$2,243/mo
Today · 4.125%
HK$75,451
baseline
▲ 0.50% · 4.625%
HK$80,042
+HK$4,591/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,902/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,986
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,104
−HK$2,149/mo
Today · 4.125%
HK$83,253
baseline
▲ 0.50% · 4.625%
HK$87,642
+HK$4,389/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,506/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,832
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,409
−HK$2,618/mo
Today · 4.125%
HK$88,027
baseline
▲ 0.50% · 4.625%
HK$93,383
+HK$5,356/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,054/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,150
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,622
−HK$2,507/mo
Today · 4.125%
HK$97,129
baseline
▲ 0.50% · 4.625%
HK$102,248
+HK$5,119/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,258/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,499
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$109,811
−HK$3,366/mo
Today · 4.125%
HK$113,177
baseline
▲ 0.50% · 4.625%
HK$120,064
+HK$6,887/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,354/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,479
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,656
−HK$3,224/mo
Today · 4.125%
HK$124,880
baseline
▲ 0.50% · 4.625%
HK$131,462
+HK$6,582/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,760/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,750 · Scale 2, in force from 26 Feb 2026)