LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,179
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,051
−HK$1,902/mo
Today · 4.125%
HK$63,953
baseline
▲ 0.50% · 4.625%
HK$67,845
+HK$3,892/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,906/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,949
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,745
−HK$1,821/mo
Today · 4.125%
HK$70,566
baseline
▲ 0.50% · 4.625%
HK$74,286
+HK$3,720/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,132/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,215
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,462
−HK$2,282/mo
Today · 4.125%
HK$76,744
baseline
▲ 0.50% · 4.625%
HK$81,414
+HK$4,670/mo
Deposit HK$10.56M · loan HK$15.83M · min. income ≈ HK$153,488/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,339
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,494
−HK$2,185/mo
Today · 4.125%
HK$84,679
baseline
▲ 0.50% · 4.625%
HK$89,143
+HK$4,464/mo
Deposit HK$10.56M · loan HK$15.83M · min. income ≈ HK$169,358/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,251
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,872
−HK$2,663/mo
Today · 4.125%
HK$89,535
baseline
▲ 0.50% · 4.625%
HK$94,983
+HK$5,448/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,070/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,729
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,242
−HK$2,551/mo
Today · 4.125%
HK$98,793
baseline
▲ 0.50% · 4.625%
HK$104,000
+HK$5,207/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,586/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,323
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$111,693
−HK$3,423/mo
Today · 4.125%
HK$115,116
baseline
▲ 0.50% · 4.625%
HK$122,120
+HK$7,004/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,232/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,508
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$123,740
−HK$3,279/mo
Today · 4.125%
HK$127,019
baseline
▲ 0.50% · 4.625%
HK$133,714
+HK$6,695/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$254,038/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,641 · Scale 2, in force from 26 Feb 2026)