LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,232
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,075
−HK$1,872/mo
Today · 4.125%
HK$62,947
baseline
▲ 0.50% · 4.625%
HK$66,777
+HK$3,830/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,894/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,895
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,662
−HK$1,793/mo
Today · 4.125%
HK$69,455
baseline
▲ 0.50% · 4.625%
HK$73,116
+HK$3,661/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,910/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,103,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,079
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,290
−HK$2,246/mo
Today · 4.125%
HK$75,536
baseline
▲ 0.50% · 4.625%
HK$80,132
+HK$4,596/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,072/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,074
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,195
−HK$2,151/mo
Today · 4.125%
HK$83,346
baseline
▲ 0.50% · 4.625%
HK$87,740
+HK$4,394/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,692/mo (50% DSR)
Upfront cash ≈ HK$11.49M (deposit + AVD stamp duty HK$1,103,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,925
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$85,504
−HK$2,621/mo
Today · 4.125%
HK$88,125
baseline
▲ 0.50% · 4.625%
HK$93,487
+HK$5,362/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,250/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,253
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,727
−HK$2,510/mo
Today · 4.125%
HK$97,237
baseline
▲ 0.50% · 4.625%
HK$102,363
+HK$5,126/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,474/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,103,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,618
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$109,934
−HK$3,370/mo
Today · 4.125%
HK$113,304
baseline
▲ 0.50% · 4.625%
HK$120,198
+HK$6,894/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,608/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,611
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$121,792
−HK$3,227/mo
Today · 4.125%
HK$125,019
baseline
▲ 0.50% · 4.625%
HK$131,609
+HK$6,590/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,038/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,103,984 · Scale 2, in force from 26 Feb 2026)