LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,209
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,082
−HK$1,902/mo
Today · 4.125%
HK$63,984
baseline
▲ 0.50% · 4.625%
HK$67,878
+HK$3,894/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,968/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,982
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,778
−HK$1,822/mo
Today · 4.125%
HK$70,600
baseline
▲ 0.50% · 4.625%
HK$74,322
+HK$3,722/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,200/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,251
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,498
−HK$2,283/mo
Today · 4.125%
HK$76,781
baseline
▲ 0.50% · 4.625%
HK$81,453
+HK$4,672/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,562/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,378
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,534
−HK$2,187/mo
Today · 4.125%
HK$84,721
baseline
▲ 0.50% · 4.625%
HK$89,186
+HK$4,465/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,442/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,292
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,914
−HK$2,664/mo
Today · 4.125%
HK$89,578
baseline
▲ 0.50% · 4.625%
HK$95,029
+HK$5,451/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,156/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,774
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,289
−HK$2,552/mo
Today · 4.125%
HK$98,841
baseline
▲ 0.50% · 4.625%
HK$104,051
+HK$5,210/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,682/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,376
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,747
−HK$3,425/mo
Today · 4.125%
HK$115,172
baseline
▲ 0.50% · 4.625%
HK$122,180
+HK$7,008/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,344/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,567
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,800
−HK$3,281/mo
Today · 4.125%
HK$127,081
baseline
▲ 0.50% · 4.625%
HK$133,779
+HK$6,698/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,162/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,187 · Scale 2, in force from 26 Feb 2026)