LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,244
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,086
−HK$1,873/mo
Today · 4.125%
HK$62,959
baseline
▲ 0.50% · 4.625%
HK$66,790
+HK$3,831/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,918/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,104,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,908
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,676
−HK$1,793/mo
Today · 4.125%
HK$69,469
baseline
▲ 0.50% · 4.625%
HK$73,130
+HK$3,661/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,938/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,104,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,092
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,304
−HK$2,246/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$1,104,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,089
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,211
−HK$2,151/mo
Today · 4.125%
HK$83,362
baseline
▲ 0.50% · 4.625%
HK$87,757
+HK$4,395/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$1,104,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,941
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,521
−HK$2,621/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$1,104,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,271
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,746
−HK$2,510/mo
Today · 4.125%
HK$97,256
baseline
▲ 0.50% · 4.625%
HK$102,383
+HK$5,127/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$1,104,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,638
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,956
−HK$3,370/mo
Today · 4.125%
HK$113,326
baseline
▲ 0.50% · 4.625%
HK$120,221
+HK$6,895/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,652/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,634
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,816
−HK$3,228/mo
Today · 4.125%
HK$125,044
baseline
▲ 0.50% · 4.625%
HK$131,635
+HK$6,591/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,088/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,197 · Scale 2, in force from 26 Feb 2026)