LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,186
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,058
−HK$1,902/mo
Today · 4.125%
HK$63,960
baseline
▲ 0.50% · 4.625%
HK$67,852
+HK$3,892/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,920/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,956
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,752
−HK$1,822/mo
Today · 4.125%
HK$70,574
baseline
▲ 0.50% · 4.625%
HK$74,294
+HK$3,720/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,148/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,223
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,469
−HK$2,283/mo
Today · 4.125%
HK$76,752
baseline
▲ 0.50% · 4.625%
HK$81,422
+HK$4,670/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,504/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,347
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,502
−HK$2,186/mo
Today · 4.125%
HK$84,688
baseline
▲ 0.50% · 4.625%
HK$89,152
+HK$4,464/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,376/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,260
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,881
−HK$2,663/mo
Today · 4.125%
HK$89,544
baseline
▲ 0.50% · 4.625%
HK$94,992
+HK$5,448/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,088/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,739
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,253
−HK$2,550/mo
Today · 4.125%
HK$98,803
baseline
▲ 0.50% · 4.625%
HK$104,011
+HK$5,208/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,606/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,334
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$111,704
−HK$3,424/mo
Today · 4.125%
HK$115,128
baseline
▲ 0.50% · 4.625%
HK$122,133
+HK$7,005/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,256/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,521
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$123,753
−HK$3,279/mo
Today · 4.125%
HK$127,032
baseline
▲ 0.50% · 4.625%
HK$133,728
+HK$6,696/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$254,064/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,759 · Scale 2, in force from 26 Feb 2026)