LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,204
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,046
−HK$1,871/mo
Today · 4.125%
HK$62,917
baseline
▲ 0.50% · 4.625%
HK$66,745
+HK$3,828/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,834/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,864
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,631
−HK$1,792/mo
Today · 4.125%
HK$69,423
baseline
▲ 0.50% · 4.625%
HK$73,082
+HK$3,659/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,846/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,045
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,255
−HK$2,245/mo
Today · 4.125%
HK$75,500
baseline
▲ 0.50% · 4.625%
HK$80,094
+HK$4,594/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,000/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,037
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,157
−HK$2,150/mo
Today · 4.125%
HK$83,307
baseline
▲ 0.50% · 4.625%
HK$87,698
+HK$4,391/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,614/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,886
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,464
−HK$2,620/mo
Today · 4.125%
HK$88,084
baseline
▲ 0.50% · 4.625%
HK$93,443
+HK$5,359/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$176,168/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,210
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,683
−HK$2,509/mo
Today · 4.125%
HK$97,192
baseline
▲ 0.50% · 4.625%
HK$102,315
+HK$5,123/mo
Deposit HK$7.79M · loan HK$18.17M · min. income ≈ HK$194,384/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,568
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$109,883
−HK$3,368/mo
Today · 4.125%
HK$113,251
baseline
▲ 0.50% · 4.625%
HK$120,142
+HK$6,891/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,502/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,556
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$121,735
−HK$3,226/mo
Today · 4.125%
HK$124,961
baseline
▲ 0.50% · 4.625%
HK$131,548
+HK$6,587/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,922/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,466 · Scale 2, in force from 26 Feb 2026)