LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,254
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,097
−HK$1,873/mo
Today · 4.125%
HK$62,970
baseline
▲ 0.50% · 4.625%
HK$66,801
+HK$3,831/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,940/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,919
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,687
−HK$1,794/mo
Today · 4.125%
HK$69,481
baseline
▲ 0.50% · 4.625%
HK$73,143
+HK$3,662/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,962/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,105
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,316
−HK$2,248/mo
Today · 4.125%
HK$75,564
baseline
▲ 0.50% · 4.625%
HK$80,161
+HK$4,597/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,128/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,103
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,225
−HK$2,152/mo
Today · 4.125%
HK$83,377
baseline
▲ 0.50% · 4.625%
HK$87,772
+HK$4,395/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,754/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,956
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,536
−HK$2,622/mo
Today · 4.125%
HK$88,158
baseline
▲ 0.50% · 4.625%
HK$93,522
+HK$5,364/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,316/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,287
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,762
−HK$2,511/mo
Today · 4.125%
HK$97,273
baseline
▲ 0.50% · 4.625%
HK$102,401
+HK$5,128/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,546/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,657
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$109,975
−HK$3,370/mo
Today · 4.125%
HK$113,345
baseline
▲ 0.50% · 4.625%
HK$120,242
+HK$6,897/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,690/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,655
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$121,837
−HK$3,228/mo
Today · 4.125%
HK$125,065
baseline
▲ 0.50% · 4.625%
HK$131,658
+HK$6,593/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,130/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,390 · Scale 2, in force from 26 Feb 2026)