LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,196
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,037
−HK$1,871/mo
Today · 4.125%
HK$62,908
baseline
▲ 0.50% · 4.625%
HK$66,736
+HK$3,828/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,816/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,855
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,621
−HK$1,792/mo
Today · 4.125%
HK$69,413
baseline
▲ 0.50% · 4.625%
HK$73,072
+HK$3,659/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,826/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,035
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,245
−HK$2,245/mo
Today · 4.125%
HK$75,490
baseline
▲ 0.50% · 4.625%
HK$80,083
+HK$4,593/mo
Deposit HK$10.38M · loan HK$15.58M · min. income ≈ HK$150,980/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,026
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,145
−HK$2,151/mo
Today · 4.125%
HK$83,296
baseline
▲ 0.50% · 4.625%
HK$87,686
+HK$4,390/mo
Deposit HK$10.38M · loan HK$15.58M · min. income ≈ HK$166,592/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,874
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,452
−HK$2,619/mo
Today · 4.125%
HK$88,071
baseline
▲ 0.50% · 4.625%
HK$93,430
+HK$5,359/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,142/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,197
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,670
−HK$2,508/mo
Today · 4.125%
HK$97,178
baseline
▲ 0.50% · 4.625%
HK$102,300
+HK$5,122/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,356/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,553
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$109,867
−HK$3,368/mo
Today · 4.125%
HK$113,235
baseline
▲ 0.50% · 4.625%
HK$120,125
+HK$6,890/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,470/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,539
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$121,718
−HK$3,225/mo
Today · 4.125%
HK$124,943
baseline
▲ 0.50% · 4.625%
HK$131,529
+HK$6,586/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,886/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,311 · Scale 2, in force from 26 Feb 2026)