LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,218
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,060
−HK$1,871/mo
Today · 4.125%
HK$62,931
baseline
▲ 0.50% · 4.625%
HK$66,760
+HK$3,829/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$125,862/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,879
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,646
−HK$1,792/mo
Today · 4.125%
HK$69,438
baseline
▲ 0.50% · 4.625%
HK$73,099
+HK$3,661/mo
Deposit HK$12.98M · loan HK$12.98M · min. income ≈ HK$138,876/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,061
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,272
−HK$2,245/mo
Today · 4.125%
HK$75,517
baseline
▲ 0.50% · 4.625%
HK$80,112
+HK$4,595/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,034/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,055
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,175
−HK$2,151/mo
Today · 4.125%
HK$83,326
baseline
▲ 0.50% · 4.625%
HK$87,718
+HK$4,392/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,652/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,905
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,484
−HK$2,620/mo
Today · 4.125%
HK$88,104
baseline
▲ 0.50% · 4.625%
HK$93,465
+HK$5,361/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,208/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,231
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,704
−HK$2,510/mo
Today · 4.125%
HK$97,214
baseline
▲ 0.50% · 4.625%
HK$102,338
+HK$5,124/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,428/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,592
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,907
−HK$3,369/mo
Today · 4.125%
HK$113,276
baseline
▲ 0.50% · 4.625%
HK$120,169
+HK$6,893/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,552/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,582
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,763
−HK$3,226/mo
Today · 4.125%
HK$124,989
baseline
▲ 0.50% · 4.625%
HK$131,577
+HK$6,588/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,978/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,715 · Scale 2, in force from 26 Feb 2026)