LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,224
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$61,067
−HK$1,871/mo
Today · 4.125%
HK$62,938
baseline
▲ 0.50% · 4.625%
HK$66,768
+HK$3,830/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,876/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,887
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$67,654
−HK$1,792/mo
Today · 4.125%
HK$69,446
baseline
▲ 0.50% · 4.625%
HK$73,107
+HK$3,661/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,892/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,069
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,280
−HK$2,246/mo
Today · 4.125%
HK$75,526
baseline
▲ 0.50% · 4.625%
HK$80,122
+HK$4,596/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$151,052/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,064
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,184
−HK$2,152/mo
Today · 4.125%
HK$83,336
baseline
▲ 0.50% · 4.625%
HK$87,728
+HK$4,392/mo
Deposit HK$10.39M · loan HK$15.58M · min. income ≈ HK$166,672/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,914
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,493
−HK$2,621/mo
Today · 4.125%
HK$88,114
baseline
▲ 0.50% · 4.625%
HK$93,475
+HK$5,361/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,228/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,241
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,715
−HK$2,510/mo
Today · 4.125%
HK$97,225
baseline
▲ 0.50% · 4.625%
HK$102,350
+HK$5,125/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,450/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,604
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$109,920
−HK$3,369/mo
Today · 4.125%
HK$113,289
baseline
▲ 0.50% · 4.625%
HK$120,182
+HK$6,893/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,578/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,596
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,777
−HK$3,226/mo
Today · 4.125%
HK$125,003
baseline
▲ 0.50% · 4.625%
HK$131,592
+HK$6,589/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,006/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,841 · Scale 2, in force from 26 Feb 2026)