LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,213
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,055
−HK$1,871/mo
Today · 4.125%
HK$62,926
baseline
▲ 0.50% · 4.625%
HK$66,755
+HK$3,829/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,852/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,874
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,640
−HK$1,793/mo
Today · 4.125%
HK$69,433
baseline
▲ 0.50% · 4.625%
HK$73,093
+HK$3,660/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,866/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,055
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,266
−HK$2,245/mo
Today · 4.125%
HK$75,511
baseline
▲ 0.50% · 4.625%
HK$80,106
+HK$4,595/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,022/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,048
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,169
−HK$2,150/mo
Today · 4.125%
HK$83,319
baseline
▲ 0.50% · 4.625%
HK$87,711
+HK$4,392/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,638/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,898
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,477
−HK$2,619/mo
Today · 4.125%
HK$88,096
baseline
▲ 0.50% · 4.625%
HK$93,457
+HK$5,361/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,192/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,223
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,697
−HK$2,509/mo
Today · 4.125%
HK$97,206
baseline
▲ 0.50% · 4.625%
HK$102,330
+HK$5,124/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,412/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,583
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,899
−HK$3,368/mo
Today · 4.125%
HK$113,267
baseline
▲ 0.50% · 4.625%
HK$120,159
+HK$6,892/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,534/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,573
−HK$6,406/mo
▼ 0.25% · 3.875%
HK$121,753
−HK$3,226/mo
Today · 4.125%
HK$124,979
baseline
▲ 0.50% · 4.625%
HK$131,567
+HK$6,588/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,958/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,625 · Scale 2, in force from 26 Feb 2026)