LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,209
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,051
−HK$1,871/mo
Today · 4.125%
HK$62,922
baseline
▲ 0.50% · 4.625%
HK$66,751
+HK$3,829/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,844/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,869
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,636
−HK$1,792/mo
Today · 4.125%
HK$69,428
baseline
▲ 0.50% · 4.625%
HK$73,088
+HK$3,660/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,856/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,051
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,261
−HK$2,245/mo
Today · 4.125%
HK$75,506
baseline
▲ 0.50% · 4.625%
HK$80,101
+HK$4,595/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,012/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,043
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,163
−HK$2,151/mo
Today · 4.125%
HK$83,314
baseline
▲ 0.50% · 4.625%
HK$87,705
+HK$4,391/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,628/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,893
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,471
−HK$2,620/mo
Today · 4.125%
HK$88,091
baseline
▲ 0.50% · 4.625%
HK$93,451
+HK$5,360/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,182/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,217
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,690
−HK$2,509/mo
Today · 4.125%
HK$97,199
baseline
▲ 0.50% · 4.625%
HK$102,323
+HK$5,124/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,398/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,576
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$109,891
−HK$3,368/mo
Today · 4.125%
HK$113,259
baseline
▲ 0.50% · 4.625%
HK$120,151
+HK$6,892/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,518/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,565
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,745
−HK$3,226/mo
Today · 4.125%
HK$124,971
baseline
▲ 0.50% · 4.625%
HK$131,558
+HK$6,587/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,942/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,552 · Scale 2, in force from 26 Feb 2026)