LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,185
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,026
−HK$1,871/mo
Today · 4.125%
HK$62,897
baseline
▲ 0.50% · 4.625%
HK$66,724
+HK$3,827/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,794/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,113 · 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$73,059
+HK$3,659/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$1,103,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,023
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,232
−HK$2,244/mo
Today · 4.125%
HK$75,476
baseline
▲ 0.50% · 4.625%
HK$80,069
+HK$4,593/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$1,103,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,012
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,131
−HK$2,150/mo
Today · 4.125%
HK$83,281
baseline
▲ 0.50% · 4.625%
HK$87,670
+HK$4,389/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,562/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,860
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,437
−HK$2,619/mo
Today · 4.125%
HK$88,056
baseline
▲ 0.50% · 4.625%
HK$93,414
+HK$5,358/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,112/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,180
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,653
−HK$2,508/mo
Today · 4.125%
HK$97,161
baseline
▲ 0.50% · 4.625%
HK$102,282
+HK$5,121/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,322/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,534
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$109,848
−HK$3,366/mo
Today · 4.125%
HK$113,214
baseline
▲ 0.50% · 4.625%
HK$120,103
+HK$6,889/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$1,103,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,518
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,696
−HK$3,225/mo
Today · 4.125%
HK$124,921
baseline
▲ 0.50% · 4.625%
HK$131,506
+HK$6,585/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,842/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,113 · Scale 2, in force from 26 Feb 2026)