LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,193
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,034
−HK$1,871/mo
Today · 4.125%
HK$62,905
baseline
▲ 0.50% · 4.625%
HK$66,732
+HK$3,827/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,810/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,852
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$67,618
−HK$1,791/mo
Today · 4.125%
HK$69,409
baseline
▲ 0.50% · 4.625%
HK$73,068
+HK$3,659/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,818/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,032
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,241
−HK$2,245/mo
Today · 4.125%
HK$75,486
baseline
▲ 0.50% · 4.625%
HK$80,079
+HK$4,593/mo
Deposit HK$10.38M · loan HK$15.58M · min. income ≈ HK$150,972/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,022
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,141
−HK$2,150/mo
Today · 4.125%
HK$83,291
baseline
▲ 0.50% · 4.625%
HK$87,682
+HK$4,391/mo
Deposit HK$10.38M · loan HK$15.58M · min. income ≈ HK$166,582/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,870
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,448
−HK$2,619/mo
Today · 4.125%
HK$88,067
baseline
▲ 0.50% · 4.625%
HK$93,425
+HK$5,358/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,134/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,192
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,665
−HK$2,508/mo
Today · 4.125%
HK$97,173
baseline
▲ 0.50% · 4.625%
HK$102,295
+HK$5,122/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,346/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,547
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$109,862
−HK$3,367/mo
Today · 4.125%
HK$113,229
baseline
▲ 0.50% · 4.625%
HK$120,118
+HK$6,889/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,458/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,533
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$121,712
−HK$3,225/mo
Today · 4.125%
HK$124,937
baseline
▲ 0.50% · 4.625%
HK$131,522
+HK$6,585/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,874/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,254 · Scale 2, in force from 26 Feb 2026)