LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,166
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,007
−HK$1,870/mo
Today · 4.125%
HK$62,877
baseline
▲ 0.50% · 4.625%
HK$66,703
+HK$3,826/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,754/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,761 · 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$1,102,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,000
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,208
−HK$2,244/mo
Today · 4.125%
HK$75,452
baseline
▲ 0.50% · 4.625%
HK$80,043
+HK$4,591/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,904/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,987
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,105
−HK$2,149/mo
Today · 4.125%
HK$83,254
baseline
▲ 0.50% · 4.625%
HK$87,642
+HK$4,388/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,508/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,833
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,410
−HK$2,617/mo
Today · 4.125%
HK$88,027
baseline
▲ 0.50% · 4.625%
HK$93,384
+HK$5,357/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$1,102,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,151
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,622
−HK$2,508/mo
Today · 4.125%
HK$97,130
baseline
▲ 0.50% · 4.625%
HK$102,249
+HK$5,119/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,260/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,500
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$109,812
−HK$3,366/mo
Today · 4.125%
HK$113,178
baseline
▲ 0.50% · 4.625%
HK$120,065
+HK$6,887/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,356/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,480
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,657
−HK$3,224/mo
Today · 4.125%
HK$124,881
baseline
▲ 0.50% · 4.625%
HK$131,464
+HK$6,583/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,762/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,761 · Scale 2, in force from 26 Feb 2026)