LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,230
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,073
−HK$1,872/mo
Today · 4.125%
HK$62,945
baseline
▲ 0.50% · 4.625%
HK$66,775
+HK$3,830/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,890/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,893
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,661
−HK$1,792/mo
Today · 4.125%
HK$69,453
baseline
▲ 0.50% · 4.625%
HK$73,114
+HK$3,661/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,906/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,077
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,287
−HK$2,247/mo
Today · 4.125%
HK$75,534
baseline
▲ 0.50% · 4.625%
HK$80,130
+HK$4,596/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,068/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,072
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,193
−HK$2,151/mo
Today · 4.125%
HK$83,344
baseline
▲ 0.50% · 4.625%
HK$87,737
+HK$4,393/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,688/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,923
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,502
−HK$2,621/mo
Today · 4.125%
HK$88,123
baseline
▲ 0.50% · 4.625%
HK$93,485
+HK$5,362/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,246/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,251
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,725
−HK$2,510/mo
Today · 4.125%
HK$97,235
baseline
▲ 0.50% · 4.625%
HK$102,360
+HK$5,125/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,470/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,615
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$109,931
−HK$3,370/mo
Today · 4.125%
HK$113,301
baseline
▲ 0.50% · 4.625%
HK$120,195
+HK$6,894/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,602/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,608
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$121,789
−HK$3,227/mo
Today · 4.125%
HK$125,016
baseline
▲ 0.50% · 4.625%
HK$131,606
+HK$6,590/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,032/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,953 · Scale 2, in force from 26 Feb 2026)