LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,246
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,089
−HK$1,872/mo
Today · 4.125%
HK$62,961
baseline
▲ 0.50% · 4.625%
HK$66,793
+HK$3,832/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,922/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,911
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,679
−HK$1,793/mo
Today · 4.125%
HK$69,472
baseline
▲ 0.50% · 4.625%
HK$73,134
+HK$3,662/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,944/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,095
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,307
−HK$2,247/mo
Today · 4.125%
HK$75,554
baseline
▲ 0.50% · 4.625%
HK$80,151
+HK$4,597/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,108/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,093
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,214
−HK$2,152/mo
Today · 4.125%
HK$83,366
baseline
▲ 0.50% · 4.625%
HK$87,760
+HK$4,394/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,732/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,945
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,525
−HK$2,621/mo
Today · 4.125%
HK$88,146
baseline
▲ 0.50% · 4.625%
HK$93,510
+HK$5,364/mo
Deposit HK$7.79M · loan HK$18.19M · min. income ≈ HK$176,292/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,275
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,750
−HK$2,511/mo
Today · 4.125%
HK$97,261
baseline
▲ 0.50% · 4.625%
HK$102,387
+HK$5,126/mo
Deposit HK$7.79M · loan HK$18.19M · min. income ≈ HK$194,522/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,643
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,960
−HK$3,371/mo
Today · 4.125%
HK$113,331
baseline
▲ 0.50% · 4.625%
HK$120,227
+HK$6,896/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$226,662/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,639
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,821
−HK$3,228/mo
Today · 4.125%
HK$125,049
baseline
▲ 0.50% · 4.625%
HK$131,641
+HK$6,592/mo
Deposit HK$2.60M · loan HK$23.38M · min. income ≈ HK$250,098/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,247 · Scale 2, in force from 26 Feb 2026)