LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,170
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,010
−HK$1,870/mo
Today · 4.125%
HK$62,880
baseline
▲ 0.50% · 4.625%
HK$66,706
+HK$3,826/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,760/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,826
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,591
−HK$1,791/mo
Today · 4.125%
HK$69,382
baseline
▲ 0.50% · 4.625%
HK$73,039
+HK$3,657/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,764/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,003
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,212
−HK$2,244/mo
Today · 4.125%
HK$75,456
baseline
▲ 0.50% · 4.625%
HK$80,047
+HK$4,591/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,912/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,991
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,109
−HK$2,149/mo
Today · 4.125%
HK$83,258
baseline
▲ 0.50% · 4.625%
HK$87,647
+HK$4,389/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,516/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,837
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,414
−HK$2,618/mo
Today · 4.125%
HK$88,032
baseline
▲ 0.50% · 4.625%
HK$93,389
+HK$5,357/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,064/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,156
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,627
−HK$2,508/mo
Today · 4.125%
HK$97,135
baseline
▲ 0.50% · 4.625%
HK$102,255
+HK$5,120/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,270/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,505
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$109,818
−HK$3,366/mo
Today · 4.125%
HK$113,184
baseline
▲ 0.50% · 4.625%
HK$120,071
+HK$6,887/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,368/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,486
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,664
−HK$3,223/mo
Today · 4.125%
HK$124,887
baseline
▲ 0.50% · 4.625%
HK$131,470
+HK$6,583/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,774/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,818 · Scale 2, in force from 26 Feb 2026)