LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,180
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,021
−HK$1,870/mo
Today · 4.125%
HK$62,891
baseline
▲ 0.50% · 4.625%
HK$66,718
+HK$3,827/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,782/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,837
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,603
−HK$1,791/mo
Today · 4.125%
HK$69,394
baseline
▲ 0.50% · 4.625%
HK$73,052
+HK$3,658/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,788/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,016
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,225
−HK$2,244/mo
Today · 4.125%
HK$75,469
baseline
▲ 0.50% · 4.625%
HK$80,061
+HK$4,592/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,938/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,103,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,004
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,123
−HK$2,150/mo
Today · 4.125%
HK$83,273
baseline
▲ 0.50% · 4.625%
HK$87,662
+HK$4,389/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,546/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,103,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,852
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,429
−HK$2,618/mo
Today · 4.125%
HK$88,047
baseline
▲ 0.50% · 4.625%
HK$93,405
+HK$5,358/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,094/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,172
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,644
−HK$2,508/mo
Today · 4.125%
HK$97,152
baseline
▲ 0.50% · 4.625%
HK$102,273
+HK$5,121/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,304/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,524
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$109,837
−HK$3,367/mo
Today · 4.125%
HK$113,204
baseline
▲ 0.50% · 4.625%
HK$120,092
+HK$6,888/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,408/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,507
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$121,685
−HK$3,224/mo
Today · 4.125%
HK$124,909
baseline
▲ 0.50% · 4.625%
HK$131,493
+HK$6,584/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,818/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,010 · Scale 2, in force from 26 Feb 2026)