LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,189
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,061
−HK$1,903/mo
Today · 4.125%
HK$63,964
baseline
▲ 0.50% · 4.625%
HK$67,856
+HK$3,892/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,928/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,960
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,756
−HK$1,822/mo
Today · 4.125%
HK$70,578
baseline
▲ 0.50% · 4.625%
HK$74,298
+HK$3,720/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,156/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,227
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,474
−HK$2,282/mo
Today · 4.125%
HK$76,756
baseline
▲ 0.50% · 4.625%
HK$81,427
+HK$4,671/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,512/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,352
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,507
−HK$2,186/mo
Today · 4.125%
HK$84,693
baseline
▲ 0.50% · 4.625%
HK$89,157
+HK$4,464/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,386/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,265
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,886
−HK$2,663/mo
Today · 4.125%
HK$89,549
baseline
▲ 0.50% · 4.625%
HK$94,998
+HK$5,449/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,098/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,744
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,258
−HK$2,551/mo
Today · 4.125%
HK$98,809
baseline
▲ 0.50% · 4.625%
HK$104,017
+HK$5,208/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,618/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,341
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$111,711
−HK$3,423/mo
Today · 4.125%
HK$115,134
baseline
▲ 0.50% · 4.625%
HK$122,140
+HK$7,006/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,268/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,528
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$123,760
−HK$3,280/mo
Today · 4.125%
HK$127,040
baseline
▲ 0.50% · 4.625%
HK$133,736
+HK$6,696/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,080/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,822 · Scale 2, in force from 26 Feb 2026)