LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,222
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,064
−HK$1,872/mo
Today · 4.125%
HK$62,936
baseline
▲ 0.50% · 4.625%
HK$66,765
+HK$3,829/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,872/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,884
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,651
−HK$1,792/mo
Today · 4.125%
HK$69,443
baseline
▲ 0.50% · 4.625%
HK$73,104
+HK$3,661/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,886/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,066
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,277
−HK$2,246/mo
Today · 4.125%
HK$75,523
baseline
▲ 0.50% · 4.625%
HK$80,118
+HK$4,595/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,046/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,061
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,181
−HK$2,151/mo
Today · 4.125%
HK$83,332
baseline
▲ 0.50% · 4.625%
HK$87,725
+HK$4,393/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,664/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,911
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,490
−HK$2,620/mo
Today · 4.125%
HK$88,110
baseline
▲ 0.50% · 4.625%
HK$93,471
+HK$5,361/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,220/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,237
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,711
−HK$2,510/mo
Today · 4.125%
HK$97,221
baseline
▲ 0.50% · 4.625%
HK$102,345
+HK$5,124/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,442/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,600
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,915
−HK$3,369/mo
Today · 4.125%
HK$113,284
baseline
▲ 0.50% · 4.625%
HK$120,177
+HK$6,893/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$226,568/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,591
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,772
−HK$3,226/mo
Today · 4.125%
HK$124,998
baseline
▲ 0.50% · 4.625%
HK$131,587
+HK$6,589/mo
Deposit HK$2.60M · loan HK$23.37M · min. income ≈ HK$249,996/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,795 · Scale 2, in force from 26 Feb 2026)