LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,188
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,029
−HK$1,871/mo
Today · 4.125%
HK$62,900
baseline
▲ 0.50% · 4.625%
HK$66,727
+HK$3,827/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,800/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,846
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,612
−HK$1,792/mo
Today · 4.125%
HK$69,404
baseline
▲ 0.50% · 4.625%
HK$73,062
+HK$3,658/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,808/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,026
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,235
−HK$2,245/mo
Today · 4.125%
HK$75,480
baseline
▲ 0.50% · 4.625%
HK$80,072
+HK$4,592/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$150,960/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,015
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,134
−HK$2,150/mo
Today · 4.125%
HK$83,284
baseline
▲ 0.50% · 4.625%
HK$87,674
+HK$4,390/mo
Deposit HK$10.38M · loan HK$15.57M · min. income ≈ HK$166,568/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,863
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,441
−HK$2,619/mo
Today · 4.125%
HK$88,060
baseline
▲ 0.50% · 4.625%
HK$93,418
+HK$5,358/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,120/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,185
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,657
−HK$2,508/mo
Today · 4.125%
HK$97,165
baseline
▲ 0.50% · 4.625%
HK$102,287
+HK$5,122/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,330/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,538
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$109,852
−HK$3,367/mo
Today · 4.125%
HK$113,219
baseline
▲ 0.50% · 4.625%
HK$120,109
+HK$6,890/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,438/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,523
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,702
−HK$3,224/mo
Today · 4.125%
HK$124,926
baseline
▲ 0.50% · 4.625%
HK$131,511
+HK$6,585/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,852/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,162 · Scale 2, in force from 26 Feb 2026)