LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,253
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,096
−HK$1,872/mo
Today · 4.125%
HK$62,968
baseline
▲ 0.50% · 4.625%
HK$66,800
+HK$3,832/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,936/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,918
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,686
−HK$1,793/mo
Today · 4.125%
HK$69,479
baseline
▲ 0.50% · 4.625%
HK$73,142
+HK$3,663/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,958/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,103
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,315
−HK$2,247/mo
Today · 4.125%
HK$75,562
baseline
▲ 0.50% · 4.625%
HK$80,160
+HK$4,598/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,124/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,102
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,223
−HK$2,152/mo
Today · 4.125%
HK$83,375
baseline
▲ 0.50% · 4.625%
HK$87,770
+HK$4,395/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,750/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,954
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,534
−HK$2,622/mo
Today · 4.125%
HK$88,156
baseline
▲ 0.50% · 4.625%
HK$93,520
+HK$5,364/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,312/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,285
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,760
−HK$2,511/mo
Today · 4.125%
HK$97,271
baseline
▲ 0.50% · 4.625%
HK$102,398
+HK$5,127/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,542/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,655
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,972
−HK$3,371/mo
Today · 4.125%
HK$113,343
baseline
▲ 0.50% · 4.625%
HK$120,240
+HK$6,897/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,686/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,652
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$121,835
−HK$3,228/mo
Today · 4.125%
HK$125,063
baseline
▲ 0.50% · 4.625%
HK$131,655
+HK$6,592/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,126/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,367 · Scale 2, in force from 26 Feb 2026)