LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,184
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,056
−HK$1,902/mo
Today · 4.125%
HK$63,958
baseline
▲ 0.50% · 4.625%
HK$67,850
+HK$3,892/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,916/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,954
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,750
−HK$1,822/mo
Today · 4.125%
HK$70,572
baseline
▲ 0.50% · 4.625%
HK$74,292
+HK$3,720/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,144/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,221
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,468
−HK$2,282/mo
Today · 4.125%
HK$76,750
baseline
▲ 0.50% · 4.625%
HK$81,420
+HK$4,670/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,500/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,345
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,500
−HK$2,186/mo
Today · 4.125%
HK$84,686
baseline
▲ 0.50% · 4.625%
HK$89,150
+HK$4,464/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,372/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,258
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,879
−HK$2,663/mo
Today · 4.125%
HK$89,542
baseline
▲ 0.50% · 4.625%
HK$94,990
+HK$5,448/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,084/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,736
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,250
−HK$2,550/mo
Today · 4.125%
HK$98,800
baseline
▲ 0.50% · 4.625%
HK$104,008
+HK$5,208/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,600/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,332
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$111,701
−HK$3,424/mo
Today · 4.125%
HK$115,125
baseline
▲ 0.50% · 4.625%
HK$122,130
+HK$7,005/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,250/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,518
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$123,750
−HK$3,279/mo
Today · 4.125%
HK$127,029
baseline
▲ 0.50% · 4.625%
HK$133,725
+HK$6,696/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$254,058/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,730 · Scale 2, in force from 26 Feb 2026)