LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,243
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,086
−HK$1,872/mo
Today · 4.125%
HK$62,958
baseline
▲ 0.50% · 4.625%
HK$66,789
+HK$3,831/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,916/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,104,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,907
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,675
−HK$1,793/mo
Today · 4.125%
HK$69,468
baseline
▲ 0.50% · 4.625%
HK$73,130
+HK$3,662/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,936/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,104,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,092
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,303
−HK$2,247/mo
Today · 4.125%
HK$75,550
baseline
▲ 0.50% · 4.625%
HK$80,147
+HK$4,597/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,100/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,089
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,210
−HK$2,152/mo
Today · 4.125%
HK$83,362
baseline
▲ 0.50% · 4.625%
HK$87,756
+HK$4,394/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,724/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,941
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,520
−HK$2,622/mo
Today · 4.125%
HK$88,142
baseline
▲ 0.50% · 4.625%
HK$93,505
+HK$5,363/mo
Deposit HK$7.79M · loan HK$18.19M · min. income ≈ HK$176,284/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,270
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,745
−HK$2,511/mo
Today · 4.125%
HK$97,256
baseline
▲ 0.50% · 4.625%
HK$102,382
+HK$5,126/mo
Deposit HK$7.79M · loan HK$18.19M · min. income ≈ HK$194,512/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,638
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$109,955
−HK$3,370/mo
Today · 4.125%
HK$113,325
baseline
▲ 0.50% · 4.625%
HK$120,220
+HK$6,895/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,650/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,633
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,815
−HK$3,228/mo
Today · 4.125%
HK$125,043
baseline
▲ 0.50% · 4.625%
HK$131,634
+HK$6,591/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,086/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,191 · Scale 2, in force from 26 Feb 2026)