LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,245
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,088
−HK$1,872/mo
Today · 4.125%
HK$62,960
baseline
▲ 0.50% · 4.625%
HK$66,791
+HK$3,831/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,920/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,910
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,677
−HK$1,794/mo
Today · 4.125%
HK$69,471
baseline
▲ 0.50% · 4.625%
HK$73,132
+HK$3,661/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,942/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,094
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,306
−HK$2,246/mo
Today · 4.125%
HK$75,552
baseline
▲ 0.50% · 4.625%
HK$80,150
+HK$4,598/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,104/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,092
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,213
−HK$2,152/mo
Today · 4.125%
HK$83,365
baseline
▲ 0.50% · 4.625%
HK$87,759
+HK$4,394/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,730/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,943
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,523
−HK$2,622/mo
Today · 4.125%
HK$88,145
baseline
▲ 0.50% · 4.625%
HK$93,508
+HK$5,363/mo
Deposit HK$7.79M · loan HK$18.19M · min. income ≈ HK$176,290/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,274
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,748
−HK$2,511/mo
Today · 4.125%
HK$97,259
baseline
▲ 0.50% · 4.625%
HK$102,385
+HK$5,126/mo
Deposit HK$7.79M · loan HK$18.19M · min. income ≈ HK$194,518/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,641
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,959
−HK$3,370/mo
Today · 4.125%
HK$113,329
baseline
▲ 0.50% · 4.625%
HK$120,225
+HK$6,896/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,658/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,637
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,819
−HK$3,228/mo
Today · 4.125%
HK$125,047
baseline
▲ 0.50% · 4.625%
HK$131,638
+HK$6,591/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,094/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,228 · Scale 2, in force from 26 Feb 2026)