LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,210
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,052
−HK$1,871/mo
Today · 4.125%
HK$62,923
baseline
▲ 0.50% · 4.625%
HK$66,752
+HK$3,829/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,846/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,871
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,638
−HK$1,792/mo
Today · 4.125%
HK$69,430
baseline
▲ 0.50% · 4.625%
HK$73,089
+HK$3,659/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,860/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,052
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,263
−HK$2,245/mo
Today · 4.125%
HK$75,508
baseline
▲ 0.50% · 4.625%
HK$80,102
+HK$4,594/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,016/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,045
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,165
−HK$2,151/mo
Today · 4.125%
HK$83,316
baseline
▲ 0.50% · 4.625%
HK$87,707
+HK$4,391/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,632/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,894
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,473
−HK$2,620/mo
Today · 4.125%
HK$88,093
baseline
▲ 0.50% · 4.625%
HK$93,453
+HK$5,360/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,186/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,219
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,693
−HK$2,509/mo
Today · 4.125%
HK$97,202
baseline
▲ 0.50% · 4.625%
HK$102,325
+HK$5,123/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,404/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,579
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$109,894
−HK$3,368/mo
Today · 4.125%
HK$113,262
baseline
▲ 0.50% · 4.625%
HK$120,154
+HK$6,892/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,524/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,568
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$121,748
−HK$3,225/mo
Today · 4.125%
HK$124,973
baseline
▲ 0.50% · 4.625%
HK$131,561
+HK$6,588/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,946/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,578 · Scale 2, in force from 26 Feb 2026)