LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,197
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$61,038
−HK$1,871/mo
Today · 4.125%
HK$62,909
baseline
▲ 0.50% · 4.625%
HK$66,737
+HK$3,828/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,818/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,856
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$67,622
−HK$1,792/mo
Today · 4.125%
HK$69,414
baseline
▲ 0.50% · 4.625%
HK$73,073
+HK$3,659/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,828/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,103,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,036
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,246
−HK$2,245/mo
Today · 4.125%
HK$75,491
baseline
▲ 0.50% · 4.625%
HK$80,084
+HK$4,593/mo
Deposit HK$10.38M · loan HK$15.58M · min. income ≈ HK$150,982/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,027
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,146
−HK$2,150/mo
Today · 4.125%
HK$83,296
baseline
▲ 0.50% · 4.625%
HK$87,687
+HK$4,391/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$1,103,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,875
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,453
−HK$2,619/mo
Today · 4.125%
HK$88,072
baseline
▲ 0.50% · 4.625%
HK$93,431
+HK$5,359/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,144/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,198
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,671
−HK$2,508/mo
Today · 4.125%
HK$97,179
baseline
▲ 0.50% · 4.625%
HK$102,302
+HK$5,123/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,358/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,554
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$109,868
−HK$3,368/mo
Today · 4.125%
HK$113,236
baseline
▲ 0.50% · 4.625%
HK$120,126
+HK$6,890/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$226,472/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,540
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$121,720
−HK$3,225/mo
Today · 4.125%
HK$124,945
baseline
▲ 0.50% · 4.625%
HK$131,531
+HK$6,586/mo
Deposit HK$2.60M · loan HK$23.36M · min. income ≈ HK$249,890/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,324 · Scale 2, in force from 26 Feb 2026)