LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,185
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$61,026
−HK$1,870/mo
Today · 4.125%
HK$62,896
baseline
▲ 0.50% · 4.625%
HK$66,724
+HK$3,828/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,792/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,843
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,609
−HK$1,791/mo
Today · 4.125%
HK$69,400
baseline
▲ 0.50% · 4.625%
HK$73,058
+HK$3,658/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,800/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,022
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,231
−HK$2,245/mo
Today · 4.125%
HK$75,476
baseline
▲ 0.50% · 4.625%
HK$80,068
+HK$4,592/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,952/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,011
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,130
−HK$2,150/mo
Today · 4.125%
HK$83,280
baseline
▲ 0.50% · 4.625%
HK$87,670
+HK$4,390/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,560/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,859
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,436
−HK$2,619/mo
Today · 4.125%
HK$88,055
baseline
▲ 0.50% · 4.625%
HK$93,413
+HK$5,358/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,110/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,180
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,652
−HK$2,508/mo
Today · 4.125%
HK$97,160
baseline
▲ 0.50% · 4.625%
HK$102,281
+HK$5,121/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,320/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,533
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$109,847
−HK$3,367/mo
Today · 4.125%
HK$113,214
baseline
▲ 0.50% · 4.625%
HK$120,102
+HK$6,888/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,428/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,517
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,695
−HK$3,225/mo
Today · 4.125%
HK$124,920
baseline
▲ 0.50% · 4.625%
HK$131,505
+HK$6,585/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,840/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,106 · Scale 2, in force from 26 Feb 2026)