LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,198
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,070
−HK$1,903/mo
Today · 4.125%
HK$63,973
baseline
▲ 0.50% · 4.625%
HK$67,865
+HK$3,892/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,946/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,969
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,766
−HK$1,822/mo
Today · 4.125%
HK$70,588
baseline
▲ 0.50% · 4.625%
HK$74,308
+HK$3,720/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,176/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,237
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,484
−HK$2,283/mo
Today · 4.125%
HK$76,767
baseline
▲ 0.50% · 4.625%
HK$81,438
+HK$4,671/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,534/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,363
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,519
−HK$2,186/mo
Today · 4.125%
HK$84,705
baseline
▲ 0.50% · 4.625%
HK$89,170
+HK$4,465/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,410/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,277
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,898
−HK$2,664/mo
Today · 4.125%
HK$89,562
baseline
▲ 0.50% · 4.625%
HK$95,011
+HK$5,449/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,124/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,757
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,272
−HK$2,551/mo
Today · 4.125%
HK$98,823
baseline
▲ 0.50% · 4.625%
HK$104,032
+HK$5,209/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,646/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,356
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,727
−HK$3,424/mo
Today · 4.125%
HK$115,151
baseline
▲ 0.50% · 4.625%
HK$122,158
+HK$7,007/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,302/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,545
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,778
−HK$3,280/mo
Today · 4.125%
HK$127,058
baseline
▲ 0.50% · 4.625%
HK$133,755
+HK$6,697/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,116/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,982 · Scale 2, in force from 26 Feb 2026)