LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,252
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,095
−HK$1,872/mo
Today · 4.125%
HK$62,967
baseline
▲ 0.50% · 4.625%
HK$66,799
+HK$3,832/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,934/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,917
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,685
−HK$1,793/mo
Today · 4.125%
HK$69,478
baseline
▲ 0.50% · 4.625%
HK$73,141
+HK$3,663/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,956/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,102
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,314
−HK$2,247/mo
Today · 4.125%
HK$75,561
baseline
▲ 0.50% · 4.625%
HK$80,159
+HK$4,598/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,122/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,100
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,222
−HK$2,152/mo
Today · 4.125%
HK$83,374
baseline
▲ 0.50% · 4.625%
HK$87,769
+HK$4,395/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,748/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,953
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,533
−HK$2,621/mo
Today · 4.125%
HK$88,154
baseline
▲ 0.50% · 4.625%
HK$93,518
+HK$5,364/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,308/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,284
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,759
−HK$2,511/mo
Today · 4.125%
HK$97,270
baseline
▲ 0.50% · 4.625%
HK$102,397
+HK$5,127/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,540/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,653
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,971
−HK$3,370/mo
Today · 4.125%
HK$113,341
baseline
▲ 0.50% · 4.625%
HK$120,238
+HK$6,897/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,682/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,651
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,833
−HK$3,228/mo
Today · 4.125%
HK$125,061
baseline
▲ 0.50% · 4.625%
HK$131,653
+HK$6,592/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,122/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,351 · Scale 2, in force from 26 Feb 2026)