LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,171
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$61,011
−HK$1,870/mo
Today · 4.125%
HK$62,881
baseline
▲ 0.50% · 4.625%
HK$66,708
+HK$3,827/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$125,762/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,827
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$67,592
−HK$1,791/mo
Today · 4.125%
HK$69,383
baseline
▲ 0.50% · 4.625%
HK$73,041
+HK$3,658/mo
Deposit HK$12.97M · loan HK$12.97M · min. income ≈ HK$138,766/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,005
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,214
−HK$2,244/mo
Today · 4.125%
HK$75,458
baseline
▲ 0.50% · 4.625%
HK$80,049
+HK$4,591/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,916/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,992
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,111
−HK$2,149/mo
Today · 4.125%
HK$83,260
baseline
▲ 0.50% · 4.625%
HK$87,649
+HK$4,389/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,520/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,839
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,416
−HK$2,618/mo
Today · 4.125%
HK$88,034
baseline
▲ 0.50% · 4.625%
HK$93,391
+HK$5,357/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$176,068/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,158
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,629
−HK$2,508/mo
Today · 4.125%
HK$97,137
baseline
▲ 0.50% · 4.625%
HK$102,257
+HK$5,120/mo
Deposit HK$7.78M · loan HK$18.16M · min. income ≈ HK$194,274/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,508
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$109,821
−HK$3,365/mo
Today · 4.125%
HK$113,186
baseline
▲ 0.50% · 4.625%
HK$120,074
+HK$6,888/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$226,372/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,489
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,666
−HK$3,224/mo
Today · 4.125%
HK$124,890
baseline
▲ 0.50% · 4.625%
HK$131,473
+HK$6,583/mo
Deposit HK$2.59M · loan HK$23.35M · min. income ≈ HK$249,780/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,842 · Scale 2, in force from 26 Feb 2026)