LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,237
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,080
−HK$1,872/mo
Today · 4.125%
HK$62,952
baseline
▲ 0.50% · 4.625%
HK$66,783
+HK$3,831/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,904/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,104,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,901
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$67,668
−HK$1,793/mo
Today · 4.125%
HK$69,461
baseline
▲ 0.50% · 4.625%
HK$73,123
+HK$3,662/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,922/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,104,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,085
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,296
−HK$2,247/mo
Today · 4.125%
HK$75,543
baseline
▲ 0.50% · 4.625%
HK$80,139
+HK$4,596/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,086/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,081
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,202
−HK$2,152/mo
Today · 4.125%
HK$83,354
baseline
▲ 0.50% · 4.625%
HK$87,747
+HK$4,393/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,708/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,932
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,512
−HK$2,621/mo
Today · 4.125%
HK$88,133
baseline
▲ 0.50% · 4.625%
HK$93,496
+HK$5,363/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$176,266/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,261
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,736
−HK$2,510/mo
Today · 4.125%
HK$97,246
baseline
▲ 0.50% · 4.625%
HK$102,372
+HK$5,126/mo
Deposit HK$7.79M · loan HK$18.18M · min. income ≈ HK$194,492/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,627
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$109,944
−HK$3,370/mo
Today · 4.125%
HK$113,314
baseline
▲ 0.50% · 4.625%
HK$120,209
+HK$6,895/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,628/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,622
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$121,803
−HK$3,228/mo
Today · 4.125%
HK$125,031
baseline
▲ 0.50% · 4.625%
HK$131,621
+HK$6,590/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,062/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,082 · Scale 2, in force from 26 Feb 2026)