LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,312
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,157
−HK$1,875/mo
Today · 4.125%
HK$63,032
baseline
▲ 0.50% · 4.625%
HK$66,867
+HK$3,835/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,064/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,984
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,754
−HK$1,795/mo
Today · 4.125%
HK$69,549
baseline
▲ 0.50% · 4.625%
HK$73,215
+HK$3,666/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,098/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,175
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,389
−HK$2,249/mo
Today · 4.125%
HK$75,638
baseline
▲ 0.50% · 4.625%
HK$80,241
+HK$4,603/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$151,276/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,181
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,305
−HK$2,154/mo
Today · 4.125%
HK$83,459
baseline
▲ 0.50% · 4.625%
HK$87,858
+HK$4,399/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$166,918/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,037
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,620
−HK$2,624/mo
Today · 4.125%
HK$88,244
baseline
▲ 0.50% · 4.625%
HK$93,614
+HK$5,370/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$176,488/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,378
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,856
−HK$2,513/mo
Today · 4.125%
HK$97,369
baseline
▲ 0.50% · 4.625%
HK$102,502
+HK$5,133/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$194,738/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,762
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$110,083
−HK$3,374/mo
Today · 4.125%
HK$113,457
baseline
▲ 0.50% · 4.625%
HK$120,361
+HK$6,904/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,914/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,772
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$121,957
−HK$3,232/mo
Today · 4.125%
HK$125,189
baseline
▲ 0.50% · 4.625%
HK$131,788
+HK$6,599/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,378/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,479 · Scale 2, in force from 26 Feb 2026)