LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,174
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,015
−HK$1,870/mo
Today · 4.125%
HK$62,885
baseline
▲ 0.50% · 4.625%
HK$66,711
+HK$3,826/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,770/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,830
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,596
−HK$1,791/mo
Today · 4.125%
HK$69,387
baseline
▲ 0.50% · 4.625%
HK$73,045
+HK$3,658/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,774/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,102,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,009
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,218
−HK$2,244/mo
Today · 4.125%
HK$75,462
baseline
▲ 0.50% · 4.625%
HK$80,053
+HK$4,591/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,924/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,997
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,115
−HK$2,150/mo
Today · 4.125%
HK$83,265
baseline
▲ 0.50% · 4.625%
HK$87,654
+HK$4,389/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,530/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,102,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,844
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,421
−HK$2,618/mo
Today · 4.125%
HK$88,039
baseline
▲ 0.50% · 4.625%
HK$93,396
+HK$5,357/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,078/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,163
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,634
−HK$2,508/mo
Today · 4.125%
HK$97,142
baseline
▲ 0.50% · 4.625%
HK$102,262
+HK$5,120/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,284/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,102,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,513
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$109,826
−HK$3,367/mo
Today · 4.125%
HK$113,193
baseline
▲ 0.50% · 4.625%
HK$120,080
+HK$6,887/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,386/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,495
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$121,673
−HK$3,224/mo
Today · 4.125%
HK$124,897
baseline
▲ 0.50% · 4.625%
HK$131,480
+HK$6,583/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,794/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,102,901 · Scale 2, in force from 26 Feb 2026)