LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,216
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,058
−HK$1,871/mo
Today · 4.125%
HK$62,929
baseline
▲ 0.50% · 4.625%
HK$66,759
+HK$3,830/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,858/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,877
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,644
−HK$1,792/mo
Today · 4.125%
HK$69,436
baseline
▲ 0.50% · 4.625%
HK$73,097
+HK$3,661/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,872/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,059
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,270
−HK$2,245/mo
Today · 4.125%
HK$75,515
baseline
▲ 0.50% · 4.625%
HK$80,110
+HK$4,595/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,030/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,053
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,173
−HK$2,151/mo
Today · 4.125%
HK$83,324
baseline
▲ 0.50% · 4.625%
HK$87,716
+HK$4,392/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,648/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,902
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,481
−HK$2,620/mo
Today · 4.125%
HK$88,101
baseline
▲ 0.50% · 4.625%
HK$93,462
+HK$5,361/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,202/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,228
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,702
−HK$2,509/mo
Today · 4.125%
HK$97,211
baseline
▲ 0.50% · 4.625%
HK$102,335
+HK$5,124/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,422/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,589
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,904
−HK$3,369/mo
Today · 4.125%
HK$113,273
baseline
▲ 0.50% · 4.625%
HK$120,165
+HK$6,892/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,546/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,579
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,759
−HK$3,227/mo
Today · 4.125%
HK$124,986
baseline
▲ 0.50% · 4.625%
HK$131,574
+HK$6,588/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,972/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,684 · Scale 2, in force from 26 Feb 2026)