LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,204
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,076
−HK$1,903/mo
Today · 4.125%
HK$63,979
baseline
▲ 0.50% · 4.625%
HK$67,872
+HK$3,893/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,958/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,976
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,772
−HK$1,823/mo
Today · 4.125%
HK$70,595
baseline
▲ 0.50% · 4.625%
HK$74,316
+HK$3,721/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,190/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,244
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,492
−HK$2,283/mo
Today · 4.125%
HK$76,775
baseline
▲ 0.50% · 4.625%
HK$81,446
+HK$4,671/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,550/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,371
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,527
−HK$2,186/mo
Today · 4.125%
HK$84,713
baseline
▲ 0.50% · 4.625%
HK$89,179
+HK$4,466/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,426/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,285
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,907
−HK$2,664/mo
Today · 4.125%
HK$89,571
baseline
▲ 0.50% · 4.625%
HK$95,021
+HK$5,450/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,142/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,766
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,281
−HK$2,551/mo
Today · 4.125%
HK$98,832
baseline
▲ 0.50% · 4.625%
HK$104,042
+HK$5,210/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,664/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,367
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,738
−HK$3,424/mo
Today · 4.125%
HK$115,162
baseline
▲ 0.50% · 4.625%
HK$122,170
+HK$7,008/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,324/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,557
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,790
−HK$3,280/mo
Today · 4.125%
HK$127,070
baseline
▲ 0.50% · 4.625%
HK$133,768
+HK$6,698/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,140/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,093 · Scale 2, in force from 26 Feb 2026)