LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,168
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,008
−HK$1,870/mo
Today · 4.125%
HK$62,878
baseline
▲ 0.50% · 4.625%
HK$66,704
+HK$3,826/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,756/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,824
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,589
−HK$1,791/mo
Today · 4.125%
HK$69,380
baseline
▲ 0.50% · 4.625%
HK$73,037
+HK$3,657/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,760/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,001
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,210
−HK$2,244/mo
Today · 4.125%
HK$75,454
baseline
▲ 0.50% · 4.625%
HK$80,045
+HK$4,591/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,908/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,988
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,107
−HK$2,149/mo
Today · 4.125%
HK$83,256
baseline
▲ 0.50% · 4.625%
HK$87,644
+HK$4,388/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,512/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,835
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,412
−HK$2,618/mo
Today · 4.125%
HK$88,030
baseline
▲ 0.50% · 4.625%
HK$93,386
+HK$5,356/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,060/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,153
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,625
−HK$2,507/mo
Today · 4.125%
HK$97,132
baseline
▲ 0.50% · 4.625%
HK$102,252
+HK$5,120/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,264/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,502
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$109,815
−HK$3,366/mo
Today · 4.125%
HK$113,181
baseline
▲ 0.50% · 4.625%
HK$120,068
+HK$6,887/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,362/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,483
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,660
−HK$3,224/mo
Today · 4.125%
HK$124,884
baseline
▲ 0.50% · 4.625%
HK$131,467
+HK$6,583/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,768/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,787 · Scale 2, in force from 26 Feb 2026)