LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,207
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,079
−HK$1,903/mo
Today · 4.125%
HK$63,982
baseline
▲ 0.50% · 4.625%
HK$67,875
+HK$3,893/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,964/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,979
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,776
−HK$1,822/mo
Today · 4.125%
HK$70,598
baseline
▲ 0.50% · 4.625%
HK$74,319
+HK$3,721/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,196/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,248
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,495
−HK$2,284/mo
Today · 4.125%
HK$76,779
baseline
▲ 0.50% · 4.625%
HK$81,450
+HK$4,671/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,558/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,375
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,531
−HK$2,187/mo
Today · 4.125%
HK$84,718
baseline
▲ 0.50% · 4.625%
HK$89,183
+HK$4,465/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,436/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,289
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,911
−HK$2,664/mo
Today · 4.125%
HK$89,575
baseline
▲ 0.50% · 4.625%
HK$95,025
+HK$5,450/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,150/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,771
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,286
−HK$2,551/mo
Today · 4.125%
HK$98,837
baseline
▲ 0.50% · 4.625%
HK$104,047
+HK$5,210/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,674/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,372
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,743
−HK$3,425/mo
Today · 4.125%
HK$115,168
baseline
▲ 0.50% · 4.625%
HK$122,176
+HK$7,008/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,336/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,563
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,796
−HK$3,280/mo
Today · 4.125%
HK$127,076
baseline
▲ 0.50% · 4.625%
HK$133,775
+HK$6,699/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,152/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,148 · Scale 2, in force from 26 Feb 2026)