LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,313
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,158
−HK$1,875/mo
Today · 4.125%
HK$63,033
baseline
▲ 0.50% · 4.625%
HK$66,868
+HK$3,835/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,066/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,986
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,755
−HK$1,796/mo
Today · 4.125%
HK$69,551
baseline
▲ 0.50% · 4.625%
HK$73,217
+HK$3,666/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,102/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,176
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,390
−HK$2,249/mo
Today · 4.125%
HK$75,639
baseline
▲ 0.50% · 4.625%
HK$80,242
+HK$4,603/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$151,278/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,183
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,306
−HK$2,155/mo
Today · 4.125%
HK$83,461
baseline
▲ 0.50% · 4.625%
HK$87,860
+HK$4,399/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$166,922/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,039
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,622
−HK$2,624/mo
Today · 4.125%
HK$88,246
baseline
▲ 0.50% · 4.625%
HK$93,616
+HK$5,370/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$176,492/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,380
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,857
−HK$2,514/mo
Today · 4.125%
HK$97,371
baseline
▲ 0.50% · 4.625%
HK$102,503
+HK$5,132/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$194,742/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,764
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$110,085
−HK$3,374/mo
Today · 4.125%
HK$113,459
baseline
▲ 0.50% · 4.625%
HK$120,363
+HK$6,904/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,918/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,774
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$121,959
−HK$3,232/mo
Today · 4.125%
HK$125,191
baseline
▲ 0.50% · 4.625%
HK$131,790
+HK$6,599/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,382/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,499 · Scale 2, in force from 26 Feb 2026)