LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,192
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,033
−HK$1,871/mo
Today · 4.125%
HK$62,904
baseline
▲ 0.50% · 4.625%
HK$66,732
+HK$3,828/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,808/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,851
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,617
−HK$1,791/mo
Today · 4.125%
HK$69,408
baseline
▲ 0.50% · 4.625%
HK$73,067
+HK$3,659/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,816/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,031
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,240
−HK$2,245/mo
Today · 4.125%
HK$75,485
baseline
▲ 0.50% · 4.625%
HK$80,078
+HK$4,593/mo
Deposit HK$10.38M · loan HK$15.58M · min. income ≈ HK$150,970/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,021
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,140
−HK$2,150/mo
Today · 4.125%
HK$83,290
baseline
▲ 0.50% · 4.625%
HK$87,680
+HK$4,390/mo
Deposit HK$10.38M · loan HK$15.58M · min. income ≈ HK$166,580/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,869
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,447
−HK$2,619/mo
Today · 4.125%
HK$88,066
baseline
▲ 0.50% · 4.625%
HK$93,424
+HK$5,358/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,132/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,191
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,664
−HK$2,508/mo
Today · 4.125%
HK$97,172
baseline
▲ 0.50% · 4.625%
HK$102,294
+HK$5,122/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,344/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,546
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$109,860
−HK$3,367/mo
Today · 4.125%
HK$113,227
baseline
▲ 0.50% · 4.625%
HK$120,117
+HK$6,890/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,454/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,531
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$121,710
−HK$3,225/mo
Today · 4.125%
HK$124,935
baseline
▲ 0.50% · 4.625%
HK$131,521
+HK$6,586/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,870/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,239 · Scale 2, in force from 26 Feb 2026)