LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,220
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$61,062
−HK$1,871/mo
Today · 4.125%
HK$62,933
baseline
▲ 0.50% · 4.625%
HK$66,763
+HK$3,830/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$1,103,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,882
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,648
−HK$1,793/mo
Today · 4.125%
HK$69,441
baseline
▲ 0.50% · 4.625%
HK$73,101
+HK$3,660/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,882/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,064
−HK$4,456/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$1,103,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,058
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,178
−HK$2,151/mo
Today · 4.125%
HK$83,329
baseline
▲ 0.50% · 4.625%
HK$87,721
+HK$4,392/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,658/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,908
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,487
−HK$2,620/mo
Today · 4.125%
HK$88,107
baseline
▲ 0.50% · 4.625%
HK$93,468
+HK$5,361/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,214/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$1,103,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,234
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,708
−HK$2,509/mo
Today · 4.125%
HK$97,217
baseline
▲ 0.50% · 4.625%
HK$102,342
+HK$5,125/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$1,103,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,596
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,912
−HK$3,368/mo
Today · 4.125%
HK$113,280
baseline
▲ 0.50% · 4.625%
HK$120,173
+HK$6,893/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,560/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,587
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,767
−HK$3,227/mo
Today · 4.125%
HK$124,994
baseline
▲ 0.50% · 4.625%
HK$131,582
+HK$6,588/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,988/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,756 · Scale 2, in force from 26 Feb 2026)