LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,219
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,062
−HK$1,871/mo
Today · 4.125%
HK$62,933
baseline
▲ 0.50% · 4.625%
HK$66,762
+HK$3,829/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,866/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,881
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,648
−HK$1,792/mo
Today · 4.125%
HK$69,440
baseline
▲ 0.50% · 4.625%
HK$73,101
+HK$3,661/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,880/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,063
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,274
−HK$2,246/mo
Today · 4.125%
HK$75,520
baseline
▲ 0.50% · 4.625%
HK$80,115
+HK$4,595/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,040/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,057
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,178
−HK$2,150/mo
Today · 4.125%
HK$83,328
baseline
▲ 0.50% · 4.625%
HK$87,721
+HK$4,393/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,656/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,907
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,486
−HK$2,620/mo
Today · 4.125%
HK$88,106
baseline
▲ 0.50% · 4.625%
HK$93,467
+HK$5,361/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,212/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,233
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,707
−HK$2,510/mo
Today · 4.125%
HK$97,217
baseline
▲ 0.50% · 4.625%
HK$102,341
+HK$5,124/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,434/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,595
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,911
−HK$3,368/mo
Today · 4.125%
HK$113,279
baseline
▲ 0.50% · 4.625%
HK$120,172
+HK$6,893/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,558/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,586
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,766
−HK$3,227/mo
Today · 4.125%
HK$124,993
baseline
▲ 0.50% · 4.625%
HK$131,581
+HK$6,588/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,986/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,748 · Scale 2, in force from 26 Feb 2026)