LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,192
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,064
−HK$1,902/mo
Today · 4.125%
HK$63,966
baseline
▲ 0.50% · 4.625%
HK$67,859
+HK$3,893/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,932/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,963
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,759
−HK$1,822/mo
Today · 4.125%
HK$70,581
baseline
▲ 0.50% · 4.625%
HK$74,301
+HK$3,720/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,162/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,230
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,477
−HK$2,283/mo
Today · 4.125%
HK$76,760
baseline
▲ 0.50% · 4.625%
HK$81,430
+HK$4,670/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,520/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,355
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,510
−HK$2,187/mo
Today · 4.125%
HK$84,697
baseline
▲ 0.50% · 4.625%
HK$89,161
+HK$4,464/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,394/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,269
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,890
−HK$2,663/mo
Today · 4.125%
HK$89,553
baseline
▲ 0.50% · 4.625%
HK$95,002
+HK$5,449/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,106/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,748
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,262
−HK$2,551/mo
Today · 4.125%
HK$98,813
baseline
▲ 0.50% · 4.625%
HK$104,021
+HK$5,208/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,626/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,345
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$111,715
−HK$3,424/mo
Today · 4.125%
HK$115,139
baseline
▲ 0.50% · 4.625%
HK$122,145
+HK$7,006/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,278/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,533
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$123,766
−HK$3,279/mo
Today · 4.125%
HK$127,045
baseline
▲ 0.50% · 4.625%
HK$133,742
+HK$6,697/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,090/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,870 · Scale 2, in force from 26 Feb 2026)