LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,257
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$61,100
−HK$1,873/mo
Today · 4.125%
HK$62,973
baseline
▲ 0.50% · 4.625%
HK$66,805
+HK$3,832/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$125,946/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,923
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$67,691
−HK$1,794/mo
Today · 4.125%
HK$69,485
baseline
▲ 0.50% · 4.625%
HK$73,147
+HK$3,662/mo
Deposit HK$12.99M · loan HK$12.99M · min. income ≈ HK$138,970/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,104,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,109
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,321
−HK$2,247/mo
Today · 4.125%
HK$75,568
baseline
▲ 0.50% · 4.625%
HK$80,166
+HK$4,598/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$151,136/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,108
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,229
−HK$2,153/mo
Today · 4.125%
HK$83,382
baseline
▲ 0.50% · 4.625%
HK$87,777
+HK$4,395/mo
Deposit HK$10.39M · loan HK$15.59M · min. income ≈ HK$166,764/mo (50% DSR)
Upfront cash ≈ HK$11.50M (deposit + AVD stamp duty HK$1,104,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,960
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,541
−HK$2,621/mo
Today · 4.125%
HK$88,162
baseline
▲ 0.50% · 4.625%
HK$93,527
+HK$5,365/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$176,324/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,292
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,768
−HK$2,511/mo
Today · 4.125%
HK$97,279
baseline
▲ 0.50% · 4.625%
HK$102,406
+HK$5,127/mo
Deposit HK$7.80M · loan HK$18.19M · min. income ≈ HK$194,558/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$1,104,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,663
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$109,981
−HK$3,371/mo
Today · 4.125%
HK$113,352
baseline
▲ 0.50% · 4.625%
HK$120,249
+HK$6,897/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$226,704/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,662
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$121,844
−HK$3,229/mo
Today · 4.125%
HK$125,073
baseline
▲ 0.50% · 4.625%
HK$131,665
+HK$6,592/mo
Deposit HK$2.60M · loan HK$23.39M · min. income ≈ HK$250,146/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$1,104,452 · Scale 2, in force from 26 Feb 2026)